Call reports 2005
FCNB BANK — 2005
What FCNB BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 133,389,000 | 135,571,000 | 140,702,000 | 143,688,000 |
| Total loans | 86,342,000 | 90,482,000 | 99,950,000 | 105,738,000 |
| Allowance for loan losses | 1,324,000 | 1,364,000 | 1,384,000 | 1,411,000 |
| Securities available for sale | 34,544,000 | 25,922,000 | 28,091,000 | 26,631,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 103,253,000 | 105,447,000 | 107,088,000 | 109,104,000 |
| Interest-bearing deposits | 91,254,000 | 91,851,000 | 94,026,000 | 95,006,000 |
| Noninterest-bearing deposits | 11,999,000 | 13,596,000 | 13,062,000 | 14,098,000 |
| Equity capital | 14,051,000 | 13,972,000 | 14,231,000 | 14,193,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,951,000 | 3,969,000 | 6,150,000 | 8,427,000 |
| Interest expense | 687,000 | 1,416,000 | 2,221,000 | 3,103,000 |
| Net interest income | 1,264,000 | 2,553,000 | 3,929,000 | 5,324,000 |
| Noninterest income | 364,000 | 820,000 | 1,265,000 | 1,722,000 |
| Noninterest expense | 1,087,000 | 2,305,000 | 3,537,000 | 4,865,000 |
| Provision for loan losses | 66,000 | 137,000 | 207,000 | 277,000 |
| Pretax income | 475,000 | 910,000 | 1,427,000 | 1,884,000 |
| Income tax | 0 | 0 | 0 | 12,000 |
| Net income | 475,000 | 910,000 | 1,427,000 | 1,872,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,014,000 | 13,734,000 | 13,992,000 | 14,221,000 |
| Total capital | 15,118,000 | 14,885,000 | 15,267,000 | 15,557,000 |
| Risk-weighted assets | 88,518,000 | 92,347,000 | 102,347,000 | 107,225,000 |