Call reports 2015
FSNB, NATIONAL ASSOCIATION — 2015
What FSNB, NATIONAL ASSOCIATION reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 367,419,000 | 354,447,000 | 351,482,000 | 379,807,000 |
| Total loans | 113,962,000 | 117,142,000 | 120,394,000 | 111,120,000 |
| Allowance for loan losses | 2,262,000 | 2,312,000 | 2,391,000 | 2,442,000 |
| Securities available for sale | 113,498,000 | 109,586,000 | 108,865,000 | 109,002,000 |
| Securities held to maturity | 37,378,000 | 36,833,000 | 37,173,000 | 36,629,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 306,536,000 | 293,530,000 | 290,081,000 | 312,985,000 |
| Interest-bearing deposits | 291,971,000 | 279,293,000 | 274,809,000 | 298,604,000 |
| Noninterest-bearing deposits | 14,565,000 | 14,237,000 | 15,272,000 | 14,381,000 |
| Equity capital | 50,276,000 | 49,922,000 | 50,938,000 | 51,450,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 2,392,000 | 4,842,000 | 7,345,000 | 9,892,000 |
| Interest expense | 208,000 | 407,000 | 596,000 | 780,000 |
| Net interest income | 2,184,000 | 4,435,000 | 6,749,000 | 9,112,000 |
| Noninterest income | 13,551,000 | 28,232,000 | 42,242,000 | 57,646,000 |
| Noninterest expense | 12,667,000 | 26,058,000 | 38,118,000 | 51,318,000 |
| Provision for loan losses | 798,000 | 1,804,000 | 3,191,000 | 4,484,000 |
| Pretax income | 2,654,000 | 5,238,000 | 8,178,000 | 11,462,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 2,654,000 | 5,238,000 | 8,178,000 | 11,462,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 45,685,000 | 46,594,000 | 47,145,000 | 48,137,000 |
| Total capital | 47,886,000 | 48,819,000 | 49,394,000 | 50,264,000 |
| Risk-weighted assets | 176,037,000 | 177,903,000 | 179,771,000 | 169,805,000 |