Call reports 2004
FIRST NATIONAL BANK OF FREDERICKSBURG, THE — 2004
What FIRST 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 | 146,369,000 | 147,183,000 | 151,039,000 | 147,111,000 |
| Total loans | 91,789,000 | 96,478,000 | 98,170,000 | 100,147,000 |
| Allowance for loan losses | 689,000 | 700,000 | 700,000 | 701,000 |
| Securities available for sale | 22,291,000 | 25,918,000 | 28,866,000 | 26,359,000 |
| Securities held to maturity | 404,000 | 404,000 | 405,000 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 133,419,000 | 134,623,000 | 138,061,000 | 134,056,000 |
| Interest-bearing deposits | 106,880,000 | 108,647,000 | 109,584,000 | 107,273,000 |
| Noninterest-bearing deposits | 26,539,000 | 25,976,000 | 28,477,000 | 26,783,000 |
| Equity capital | 12,744,000 | 12,387,000 | 12,797,000 | 12,719,000 |
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 | 1,583,000 | 3,181,000 | 4,896,000 | 6,717,000 |
| Interest expense | 266,000 | 503,000 | 744,000 | 994,000 |
| Net interest income | 1,317,000 | 2,678,000 | 4,152,000 | 5,723,000 |
| Noninterest income | 258,000 | 564,000 | 813,000 | 989,000 |
| Noninterest expense | 1,364,000 | 2,715,000 | 4,047,000 | 5,588,000 |
| Provision for loan losses | 9,000 | 32,000 | 40,000 | 60,000 |
| Pretax income | 202,000 | 495,000 | 878,000 | 1,064,000 |
| Income tax | 46,000 | 126,000 | 231,000 | 280,000 |
| Net income | 156,000 | 369,000 | 647,000 | 784,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,640,000 | 12,649,000 | 12,927,000 | 12,860,000 |
| Total capital | 13,329,000 | 13,349,000 | 13,627,000 | 13,561,000 |
| Risk-weighted assets | 101,688,000 | 104,876,000 | 106,963,000 | 107,135,000 |
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