Call reports 2002
FCNB BANK — 2002
What FCNB BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 124,945,000 | 123,572,000 | 123,534,000 | 126,642,000 |
| Total loans | 74,382,000 | 75,209,000 | 72,839,000 | 74,956,000 |
| Allowance for loan losses | 846,000 | 849,000 | 872,000 | 870,000 |
| Securities available for sale | 39,760,000 | 35,497,000 | 37,864,000 | 34,141,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 97,822,000 | 95,662,000 | 94,176,000 | 97,327,000 |
| Interest-bearing deposits | 87,558,000 | 84,283,000 | 83,319,000 | 87,030,000 |
| Noninterest-bearing deposits | 10,264,000 | 11,379,000 | 10,857,000 | 10,297,000 |
| Equity capital | 12,841,000 | 13,543,000 | 13,665,000 | 13,583,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 2,173,000 | 4,338,000 | 6,426,000 | 8,421,000 |
| Interest expense | 908,000 | 1,750,000 | 2,533,000 | 3,317,000 |
| Net interest income | 1,265,000 | 2,588,000 | 3,893,000 | 5,104,000 |
| Noninterest income | 203,000 | 434,000 | 668,000 | 896,000 |
| Noninterest expense | 965,000 | 1,950,000 | 2,998,000 | 4,189,000 |
| Provision for loan losses | 33,000 | 66,000 | 99,000 | 132,000 |
| Pretax income | 510,000 | 1,027,000 | 1,483,000 | 1,698,000 |
| Income tax | 0 | 13,000 | 19,000 | 23,000 |
| Net income | 510,000 | 1,014,000 | 1,464,000 | 1,675,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,734,000 | 12,848,000 | 12,799,000 | 12,809,000 |
| Total capital | 13,580,000 | 13,697,000 | 13,671,000 | 13,679,000 |
| Risk-weighted assets | 78,127,000 | 79,974,000 | 78,768,000 | 85,832,000 |