Call reports 2004
NATIONAL BANK OF FREDERICKSBURG, THE — 2004
What NATIONAL BANK OF FREDERICKSBURG, THE reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 387,022,000 | 397,004,000 | 403,632,000 | 431,017,000 |
| Total loans | 234,939,000 | 256,213,000 | 259,780,000 | 281,130,000 |
| Allowance for loan losses | 3,651,000 | 3,686,000 | 3,708,000 | 3,689,000 |
| Securities available for sale | 121,319,000 | 120,413,000 | 121,187,000 | 124,542,000 |
| Securities held to maturity | 748,000 | 748,000 | 748,000 | 748,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 321,660,000 | 334,697,000 | 338,598,000 | 364,909,000 |
| Interest-bearing deposits | 210,099,000 | 211,586,000 | 218,572,000 | 231,995,000 |
| Noninterest-bearing deposits | 111,561,000 | 123,111,000 | 120,026,000 | 132,914,000 |
| Equity capital | 34,932,000 | 32,689,000 | 33,918,000 | 34,165,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 4,755,000 | 9,586,000 | 14,621,000 | 20,029,000 |
| Interest expense | 604,000 | 1,191,000 | 1,800,000 | 2,449,000 |
| Net interest income | 4,151,000 | 8,395,000 | 12,821,000 | 17,580,000 |
| Noninterest income | 1,137,000 | 2,142,000 | 3,109,000 | 4,110,000 |
| Noninterest expense | 2,651,000 | 5,296,000 | 8,024,000 | 10,732,000 |
| Provision for loan losses | 25,000 | 50,000 | 75,000 | 75,000 |
| Pretax income | 2,612,000 | 5,191,000 | 7,831,000 | 10,883,000 |
| Income tax | 879,000 | 1,748,000 | 2,737,000 | 3,805,000 |
| Net income | 1,733,000 | 3,443,000 | 5,094,000 | 7,078,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 33,008,000 | 32,938,000 | 33,501,000 | 34,153,000 |
| Total capital | 43,203,000 | 43,400,000 | 44,033,000 | 44,842,000 |
| Risk-weighted assets | 255,162,000 | 276,700,000 | 282,345,000 | 305,234,000 |