Call reports 2002
NATIONAL BANK OF FREDERICKSBURG, THE — 2002
What NATIONAL BANK OF FREDERICKSBURG, THE reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 310,243,000 | 313,526,000 | 328,441,000 | 338,686,000 |
| Total loans | 196,841,000 | 197,546,000 | 203,492,000 | 204,254,000 |
| Allowance for loan losses | 3,534,000 | 3,531,000 | 3,544,000 | 3,449,000 |
| Securities available for sale | 90,176,000 | 93,443,000 | 103,044,000 | 114,769,000 |
| Securities held to maturity | 797,000 | 797,000 | 797,000 | 897,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 261,400,000 | 264,793,000 | 273,527,000 | 285,301,000 |
| Interest-bearing deposits | 184,254,000 | 185,068,000 | 191,116,000 | 198,246,000 |
| Noninterest-bearing deposits | 77,146,000 | 79,725,000 | 82,411,000 | 87,055,000 |
| Equity capital | 32,394,000 | 33,572,000 | 35,255,000 | 35,562,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 4,747,000 | 9,497,000 | 14,302,000 | 19,120,000 |
| Interest expense | 1,092,000 | 2,097,000 | 3,095,000 | 4,031,000 |
| Net interest income | 3,655,000 | 7,400,000 | 11,207,000 | 15,089,000 |
| Noninterest income | 809,000 | 1,676,000 | 2,534,000 | 3,380,000 |
| Noninterest expense | 2,387,000 | 4,799,000 | 7,251,000 | 9,691,000 |
| Provision for loan losses | 60,000 | 120,000 | 180,000 | 180,000 |
| Pretax income | 2,017,000 | 4,157,000 | 6,310,000 | 8,598,000 |
| Income tax | 711,000 | 1,469,000 | 2,231,000 | 3,012,000 |
| Net income | 1,306,000 | 2,688,000 | 4,079,000 | 5,586,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,302,000 | 31,745,000 | 32,136,000 | 32,634,000 |
| Total capital | 33,785,000 | 34,221,000 | 34,703,000 | 35,240,000 |
| Risk-weighted assets | 197,570,000 | 197,026,000 | 204,371,000 | 207,600,000 |