Call reports 2004
FCNB BANK — 2004
What FCNB BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 131,988,000 | 131,724,000 | 132,317,000 | 135,670,000 |
| Total loans | 76,709,000 | 81,693,000 | 83,244,000 | 85,153,000 |
| Allowance for loan losses | 933,000 | 1,166,000 | 1,216,000 | 1,242,000 |
| Securities available for sale | 43,567,000 | 38,127,000 | 37,587,000 | 36,375,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 99,701,000 | 100,210,000 | 99,816,000 | 103,630,000 |
| Interest-bearing deposits | 87,937,000 | 88,420,000 | 87,738,000 | 91,291,000 |
| Noninterest-bearing deposits | 11,764,000 | 11,790,000 | 12,078,000 | 12,339,000 |
| Equity capital | 14,249,000 | 13,188,000 | 14,164,000 | 14,131,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,906,000 | 3,851,000 | 5,835,000 | 7,813,000 |
| Interest expense | 659,000 | 1,296,000 | 1,935,000 | 2,606,000 |
| Net interest income | 1,247,000 | 2,555,000 | 3,900,000 | 5,207,000 |
| Noninterest income | 320,000 | 894,000 | 1,252,000 | 1,592,000 |
| Noninterest expense | 1,063,000 | 2,162,000 | 3,294,000 | 4,516,000 |
| Provision for loan losses | 49,000 | 307,000 | 372,000 | 430,000 |
| Pretax income | 459,000 | 1,035,000 | 1,539,000 | 1,879,000 |
| Income tax | 0 | 0 | 4,000 | 4,000 |
| Net income | 459,000 | 1,035,000 | 1,535,000 | 1,875,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,487,000 | 13,588,000 | 13,698,000 | 13,839,000 |
| Total capital | 14,420,000 | 14,633,000 | 14,773,000 | 14,932,000 |
| Risk-weighted assets | 81,493,000 | 83,499,000 | 85,825,000 | 87,628,000 |