Call reports 2001
NATIONAL BANK OF FREDERICKSBURG, THE — 2001
What NATIONAL BANK OF FREDERICKSBURG, THE reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 278,994,000 | 280,603,000 | 288,495,000 | 305,688,000 |
| Total loans | 169,379,000 | 172,899,000 | 179,172,000 | 187,832,000 |
| Allowance for loan losses | 3,235,000 | 3,385,000 | 3,463,000 | 3,500,000 |
| Securities available for sale | 81,677,000 | 83,645,000 | 89,006,000 | 93,436,000 |
| Securities held to maturity | 1,313,000 | 1,048,000 | 548,000 | 948,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 226,364,000 | 231,211,000 | 236,921,000 | 255,947,000 |
| Interest-bearing deposits | 161,873,000 | 164,298,000 | 167,633,000 | 177,441,000 |
| Noninterest-bearing deposits | 64,491,000 | 66,913,000 | 69,288,000 | 78,506,000 |
| Equity capital | 31,012,000 | 31,264,000 | 32,884,000 | 32,804,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 4,838,000 | 9,787,000 | 14,706,000 | 19,497,000 |
| Interest expense | 1,705,000 | 3,311,000 | 4,833,000 | 6,113,000 |
| Net interest income | 3,133,000 | 6,476,000 | 9,873,000 | 13,384,000 |
| Noninterest income | 805,000 | 1,900,000 | 2,743,000 | 3,625,000 |
| Noninterest expense | 2,195,000 | 4,380,000 | 6,616,000 | 9,007,000 |
| Provision for loan losses | 0 | 160,000 | 220,000 | 310,000 |
| Pretax income | 1,743,000 | 3,836,000 | 5,780,000 | 7,692,000 |
| Income tax | 607,000 | 1,337,000 | 2,023,000 | 2,700,000 |
| Net income | 1,136,000 | 2,499,000 | 3,757,000 | 4,992,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,757,000 | 30,213,000 | 30,550,000 | 30,988,000 |
| Total capital | 31,895,000 | 32,376,000 | 32,787,000 | 33,348,000 |
| Risk-weighted assets | 169,933,000 | 171,812,000 | 177,711,000 | 187,694,000 |