Call reports 2016
FSNB, NATIONAL ASSOCIATION — 2016
What FSNB, NATIONAL ASSOCIATION reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 379,095,000 | 372,781,000 | 390,029,000 | 384,812,000 |
| Total loans | 116,794,000 | 142,906,000 | 141,862,000 | 146,301,000 |
| Allowance for loan losses | 2,624,000 | 2,596,000 | 2,695,000 | 2,730,000 |
| Securities available for sale | 106,790,000 | 107,134,000 | 108,560,000 | 109,291,000 |
| Securities held to maturity | 36,499,000 | 35,714,000 | 35,206,000 | 34,812,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 311,477,000 | 301,040,000 | 317,646,000 | 315,080,000 |
| Interest-bearing deposits | 297,608,000 | 286,767,000 | 302,707,000 | 299,047,000 |
| Noninterest-bearing deposits | 13,869,000 | 14,273,000 | 14,939,000 | 16,033,000 |
| Equity capital | 53,320,000 | 56,328,000 | 56,955,000 | 55,433,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 2,514,000 | 5,130,000 | 8,066,000 | 10,953,000 |
| Interest expense | 179,000 | 355,000 | 525,000 | 685,000 |
| Net interest income | 2,335,000 | 4,775,000 | 7,541,000 | 10,268,000 |
| Noninterest income | 14,329,000 | 29,461,000 | 44,250,000 | 59,533,000 |
| Noninterest expense | 12,427,000 | 25,102,000 | 37,125,000 | 48,706,000 |
| Provision for loan losses | 903,000 | 1,988,000 | 3,542,000 | 4,852,000 |
| Pretax income | 3,351,000 | 6,888,000 | 10,873,000 | 16,016,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 3,351,000 | 6,888,000 | 10,873,000 | 16,016,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 49,332,000 | 50,805,000 | 52,301,000 | 53,977,000 |
| Total capital | 51,536,000 | 53,280,000 | 54,627,000 | 56,316,000 |
| Risk-weighted assets | 175,879,000 | 197,905,000 | 185,676,000 | 186,766,000 |