Call reports 2006
FIRST NATIONAL BANK OF FREDERICKSBURG, THE — 2006
What FIRST NATIONAL BANK OF FREDERICKSBURG, THE reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 164,284,000 | 161,349,000 | 159,613,000 | 162,087,000 |
| Total loans | 116,523,000 | 117,191,000 | 122,511,000 | 126,120,000 |
| Allowance for loan losses | 696,000 | 711,000 | 724,000 | 730,000 |
| Securities available for sale | 24,911,000 | 24,873,000 | 20,004,000 | 15,042,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 150,477,000 | 147,527,000 | 145,292,000 | 147,739,000 |
| Interest-bearing deposits | 121,199,000 | 119,218,000 | 116,378,000 | 118,476,000 |
| Noninterest-bearing deposits | 29,278,000 | 28,309,000 | 28,914,000 | 29,263,000 |
| Equity capital | 13,314,000 | 13,394,000 | 13,853,000 | 13,792,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 2,115,000 | 4,408,000 | 6,722,000 | 9,214,000 |
| Interest expense | 604,000 | 1,262,000 | 1,940,000 | 2,686,000 |
| Net interest income | 1,511,000 | 3,146,000 | 4,782,000 | 6,528,000 |
| Noninterest income | 256,000 | 486,000 | 773,000 | 893,000 |
| Noninterest expense | 1,417,000 | 2,867,000 | 4,327,000 | 5,948,000 |
| Provision for loan losses | 20,000 | 35,000 | 55,000 | 70,000 |
| Pretax income | 330,000 | 730,000 | 1,173,000 | 1,403,000 |
| Income tax | 94,000 | 208,000 | 335,000 | 398,000 |
| Net income | 236,000 | 522,000 | 838,000 | 1,005,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,497,000 | 13,570,000 | 13,889,000 | 13,845,000 |
| Total capital | 14,193,000 | 14,281,000 | 14,613,000 | 14,575,000 |
| Risk-weighted assets | 113,342,000 | 111,486,000 | 114,007,000 | 114,833,000 |
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