Call reports 2003
FCNB BANK — 2003
What FCNB BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 131,629,000 | 129,831,000 | 129,527,000 | 133,714,000 |
| Total loans | 74,044,000 | 74,707,000 | 74,356,000 | 74,457,000 |
| Allowance for loan losses | 920,000 | 959,000 | 980,000 | 888,000 |
| Securities available for sale | 39,515,000 | 39,955,000 | 39,278,000 | 44,069,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 98,125,000 | 96,537,000 | 97,634,000 | 101,405,000 |
| Interest-bearing deposits | 87,822,000 | 85,972,000 | 85,490,000 | 90,074,000 |
| Noninterest-bearing deposits | 10,303,000 | 10,565,000 | 12,144,000 | 11,331,000 |
| Equity capital | 13,553,000 | 13,910,000 | 13,507,000 | 13,673,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,942,000 | 3,901,000 | 5,781,000 | 7,703,000 |
| Interest expense | 736,000 | 1,459,000 | 2,146,000 | 2,815,000 |
| Net interest income | 1,206,000 | 2,442,000 | 3,635,000 | 4,888,000 |
| Noninterest income | 218,000 | 464,000 | 693,000 | 1,003,000 |
| Noninterest expense | 1,022,000 | 2,065,000 | 3,135,000 | 4,262,000 |
| Provision for loan losses | 36,000 | 72,000 | 109,000 | 240,000 |
| Pretax income | 366,000 | 770,000 | 1,112,000 | 1,416,000 |
| Income tax | 3,000 | 7,000 | 10,000 | 7,000 |
| Net income | 363,000 | 763,000 | 1,102,000 | 1,409,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,922,000 | 13,062,000 | 13,142,000 | 13,248,000 |
| Total capital | 13,842,000 | 14,021,000 | 14,122,000 | 14,136,000 |
| Risk-weighted assets | 75,765,000 | 77,134,000 | 77,637,000 | 78,508,000 |