Call reports 2015
FCNB BANK — 2015
What FCNB BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 224,284,000 | 219,067,000 | 221,931,000 | 206,583,000 |
| Total loans | 144,473,000 | 143,834,000 | 145,464,000 | 146,356,000 |
| Allowance for loan losses | 1,935,000 | 1,638,000 | 2,287,000 | 2,306,000 |
| Securities available for sale | 46,940,000 | 47,383,000 | 50,361,000 | 33,952,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 182,093,000 | 179,868,000 | 181,586,000 | 170,010,000 |
| Interest-bearing deposits | 139,047,000 | 136,462,000 | 138,556,000 | 124,132,000 |
| Noninterest-bearing deposits | 43,046,000 | 43,406,000 | 43,030,000 | 45,878,000 |
| Equity capital | 19,235,000 | 16,399,000 | 16,924,000 | 16,235,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 2,411,000 | 4,592,000 | 7,183,000 | 9,446,000 |
| Interest expense | 416,000 | 822,000 | 1,217,000 | 1,602,000 |
| Net interest income | 1,995,000 | 3,770,000 | 5,966,000 | 7,844,000 |
| Noninterest income | 985,000 | 1,865,000 | 2,818,000 | 3,569,000 |
| Noninterest expense | 2,348,000 | 4,566,000 | 6,877,000 | 9,458,000 |
| Provision for loan losses | 101,000 | 1,577,000 | 2,656,000 | 4,002,000 |
| Pretax income | 596,000 | -413,000 | -652,000 | -1,900,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 596,000 | -413,000 | -652,000 | -1,900,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,630,000 | 17,470,000 | 17,232,000 | 16,583,000 |
| Total capital | 20,267,000 | 19,100,000 | 18,910,000 | 18,223,000 |
| Risk-weighted assets | 130,637,000 | 130,408,000 | 133,607,000 | 130,529,000 |