Call reports 2003
NATIONAL BANK OF FREDERICKSBURG, THE — 2003
What NATIONAL BANK OF FREDERICKSBURG, THE reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 347,829,000 | 353,140,000 | 361,897,000 | 379,195,000 |
| Total loans | 211,464,000 | 213,642,000 | 212,434,000 | 233,658,000 |
| Allowance for loan losses | 3,448,000 | 3,518,000 | 3,585,000 | 3,616,000 |
| Securities available for sale | 116,825,000 | 118,341,000 | 123,680,000 | 126,405,000 |
| Securities held to maturity | 897,000 | 898,000 | 898,000 | 898,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 292,169,000 | 294,696,000 | 299,104,000 | 306,237,000 |
| Interest-bearing deposits | 203,150,000 | 200,034,000 | 200,328,000 | 205,037,000 |
| Noninterest-bearing deposits | 89,019,000 | 94,662,000 | 98,776,000 | 101,200,000 |
| Equity capital | 35,764,000 | 36,146,000 | 33,886,000 | 33,890,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 4,692,000 | 9,413,000 | 14,027,000 | 18,856,000 |
| Interest expense | 811,000 | 1,512,000 | 2,159,000 | 2,793,000 |
| Net interest income | 3,881,000 | 7,901,000 | 11,868,000 | 16,063,000 |
| Noninterest income | 849,000 | 1,743,000 | 2,585,000 | 3,487,000 |
| Noninterest expense | 2,507,000 | 5,118,000 | 7,560,000 | 10,110,000 |
| Provision for loan losses | 75,000 | 150,000 | 225,000 | 300,000 |
| Pretax income | 2,246,000 | 4,474,000 | 6,766,000 | 9,238,000 |
| Income tax | 798,000 | 1,587,000 | 2,397,000 | 3,245,000 |
| Net income | 1,448,000 | 2,887,000 | 4,369,000 | 5,993,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 33,018,000 | 33,448,000 | 31,897,000 | 32,481,000 |
| Total capital | 35,798,000 | 36,311,000 | 41,786,000 | 42,636,000 |
| Risk-weighted assets | 221,762,000 | 228,366,000 | 230,404,000 | 251,953,000 |