Call reports 2009
FCNB BANK — 2009
What FCNB BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 188,189,000 | 204,051,000 | 209,804,000 | 220,983,000 |
| Total loans | 141,446,000 | 146,434,000 | 151,918,000 | 157,921,000 |
| Allowance for loan losses | 2,189,000 | 2,205,000 | 2,327,000 | 2,471,000 |
| Securities available for sale | 22,854,000 | 32,789,000 | 34,009,000 | 34,513,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 137,248,000 | 153,995,000 | 161,676,000 | 174,467,000 |
| Interest-bearing deposits | 123,461,000 | 139,551,000 | 146,529,000 | 159,393,000 |
| Noninterest-bearing deposits | 13,787,000 | 14,444,000 | 15,147,000 | 15,074,000 |
| Equity capital | 17,167,000 | 16,790,000 | 17,739,000 | 17,972,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 2,942,000 | 5,924,000 | 9,074,000 | 12,317,000 |
| Interest expense | 987,000 | 1,989,000 | 3,004,000 | 4,005,000 |
| Net interest income | 1,955,000 | 3,935,000 | 6,070,000 | 8,312,000 |
| Noninterest income | 678,000 | 1,397,000 | 2,197,000 | 2,918,000 |
| Noninterest expense | 1,729,000 | 3,536,000 | 5,518,000 | 7,452,000 |
| Provision for loan losses | 99,000 | 198,000 | 446,000 | 794,000 |
| Pretax income | 841,000 | 1,635,000 | 2,340,000 | 3,020,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 841,000 | 1,635,000 | 2,340,000 | 3,020,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,079,000 | 16,978,000 | 17,173,000 | 17,578,000 |
| Total capital | 18,851,000 | 18,829,000 | 19,031,000 | 19,639,000 |
| Risk-weighted assets | 141,625,000 | 147,845,000 | 148,274,000 | 164,475,000 |