Call reports 2005
FIRST NATIONAL BANK OF FREDERICKSBURG, THE — 2005
What FIRST NATIONAL BANK OF FREDERICKSBURG, THE reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 149,027,000 | 151,752,000 | 154,022,000 | 159,901,000 |
| Total loans | 100,881,000 | 105,262,000 | 109,987,000 | 115,266,000 |
| Allowance for loan losses | 699,000 | 699,000 | 709,000 | 686,000 |
| Securities available for sale | 26,386,000 | 29,390,000 | 26,762,000 | 23,669,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 135,757,000 | 137,665,000 | 136,188,000 | 146,354,000 |
| Interest-bearing deposits | 108,779,000 | 109,281,000 | 108,758,000 | 120,758,000 |
| Noninterest-bearing deposits | 26,978,000 | 28,384,000 | 27,430,000 | 25,596,000 |
| Equity capital | 12,793,000 | 12,952,000 | 13,191,000 | 13,127,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,786,000 | 3,625,000 | 5,564,000 | 7,619,000 |
| Interest expense | 257,000 | 564,000 | 949,000 | 1,445,000 |
| Net interest income | 1,529,000 | 3,061,000 | 4,615,000 | 6,174,000 |
| Noninterest income | 215,000 | 490,000 | 729,000 | 885,000 |
| Noninterest expense | 1,342,000 | 2,771,000 | 4,158,000 | 5,785,000 |
| Provision for loan losses | 0 | 6,000 | 11,000 | 11,000 |
| Pretax income | 402,000 | 774,000 | 1,175,000 | 1,263,000 |
| Income tax | 120,000 | 225,000 | 340,000 | 350,000 |
| Net income | 282,000 | 549,000 | 835,000 | 913,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,093,000 | 13,153,000 | 13,439,000 | 13,310,000 |
| Total capital | 13,792,000 | 13,852,000 | 14,148,000 | 13,996,000 |
| Risk-weighted assets | 103,017,000 | 106,615,000 | 110,045,000 | 112,153,000 |
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