Call reports 2008
FCNB BANK — 2008
What FCNB BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 175,146,000 | 178,311,000 | 175,599,000 | 184,015,000 |
| Total loans | 124,212,000 | 125,724,000 | 128,454,000 | 135,370,000 |
| Allowance for loan losses | 1,808,000 | 1,810,000 | 1,858,000 | 2,172,000 |
| Securities available for sale | 28,409,000 | 29,681,000 | 30,270,000 | 26,730,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 131,867,000 | 132,159,000 | 128,241,000 | 129,922,000 |
| Interest-bearing deposits | 117,902,000 | 116,532,000 | 113,346,000 | 116,186,000 |
| Noninterest-bearing deposits | 13,965,000 | 15,627,000 | 14,895,000 | 13,736,000 |
| Equity capital | 16,383,000 | 16,041,000 | 16,016,000 | 16,483,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 3,014,000 | 5,929,000 | 8,903,000 | 11,831,000 |
| Interest expense | 1,287,000 | 2,408,000 | 3,444,000 | 4,486,000 |
| Net interest income | 1,727,000 | 3,521,000 | 5,459,000 | 7,345,000 |
| Noninterest income | 607,000 | 1,318,000 | 2,050,000 | 2,804,000 |
| Noninterest expense | 1,491,000 | 3,131,000 | 4,802,000 | 6,584,000 |
| Provision for loan losses | 74,000 | 148,000 | 221,000 | 545,000 |
| Pretax income | 772,000 | 1,563,000 | 2,489,000 | 3,023,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 772,000 | 1,563,000 | 2,489,000 | 3,023,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,972,000 | 15,973,000 | 16,375,000 | 16,683,000 |
| Total capital | 17,572,000 | 17,604,000 | 18,010,000 | 18,385,000 |
| Risk-weighted assets | 128,414,000 | 130,520,000 | 130,821,000 | 135,947,000 |