Call reports 2007
FCNB BANK — 2007
What FCNB BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 169,240,000 | 179,637,000 | 177,167,000 | 178,880,000 |
| Total loans | 122,547,000 | 122,194,000 | 123,244,000 | 123,951,000 |
| Allowance for loan losses | 1,625,000 | 1,679,000 | 1,724,000 | 1,775,000 |
| Securities available for sale | 34,020,000 | 37,354,000 | 40,010,000 | 29,978,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 129,152,000 | 140,105,000 | 137,141,000 | 131,551,000 |
| Interest-bearing deposits | 114,072,000 | 124,523,000 | 122,496,000 | 116,732,000 |
| Noninterest-bearing deposits | 15,080,000 | 15,582,000 | 14,645,000 | 14,819,000 |
| Equity capital | 15,089,000 | 14,826,000 | 15,216,000 | 15,743,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 2,909,000 | 5,914,000 | 9,078,000 | 12,210,000 |
| Interest expense | 1,351,000 | 2,749,000 | 4,248,000 | 5,715,000 |
| Net interest income | 1,558,000 | 3,165,000 | 4,830,000 | 6,495,000 |
| Noninterest income | 502,000 | 1,090,000 | 1,679,000 | 2,356,000 |
| Noninterest expense | 1,397,000 | 2,881,000 | 4,472,000 | 6,101,000 |
| Provision for loan losses | 71,000 | 145,000 | 221,000 | 297,000 |
| Pretax income | 607,000 | 1,244,000 | 1,857,000 | 2,489,000 |
| Income tax | 0 | 0 | 0 | -3,000 |
| Net income | 607,000 | 1,244,000 | 1,857,000 | 2,492,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,965,000 | 15,022,000 | 15,186,000 | 15,576,000 |
| Total capital | 16,493,000 | 16,588,000 | 16,761,000 | 17,170,000 |
| Risk-weighted assets | 122,439,000 | 125,628,000 | 126,223,000 | 127,742,000 |