Call reports 2007
FIRST NATIONAL BANK OF FREDERICKSBURG, THE — 2007
What FIRST NATIONAL BANK OF FREDERICKSBURG, THE reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 170,059,000 | 174,134,000 | 170,008,000 | 168,800,000 |
| Total loans | 126,062,000 | 128,386,000 | 127,784,000 | 125,777,000 |
| Allowance for loan losses | 731,000 | 788,000 | 704,000 | 775,000 |
| Securities available for sale | 14,308,000 | 14,811,000 | 15,935,000 | 19,509,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 155,585,000 | 159,703,000 | 155,182,000 | 153,921,000 |
| Interest-bearing deposits | 126,935,000 | 127,557,000 | 126,729,000 | 125,308,000 |
| Noninterest-bearing deposits | 28,650,000 | 32,146,000 | 28,453,000 | 28,613,000 |
| Equity capital | 13,893,000 | 13,867,000 | 14,247,000 | 13,834,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 2,433,000 | 5,033,000 | 7,655,000 | 10,146,000 |
| Interest expense | 792,000 | 1,672,000 | 2,566,000 | 3,418,000 |
| Net interest income | 1,641,000 | 3,361,000 | 5,089,000 | 6,728,000 |
| Noninterest income | 233,000 | 713,000 | 956,000 | 1,424,000 |
| Noninterest expense | 1,539,000 | 3,052,000 | 4,638,000 | 6,498,000 |
| Provision for loan losses | 5,000 | 70,000 | 70,000 | 170,000 |
| Pretax income | 330,000 | 952,000 | 1,337,000 | 1,483,000 |
| Income tax | 94,000 | 273,000 | 374,000 | 413,000 |
| Net income | 236,000 | 679,000 | 963,000 | 1,070,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,930,000 | 13,958,000 | 14,242,000 | 14,139,000 |
| Total capital | 14,661,000 | 14,747,000 | 14,946,000 | 14,914,000 |
| Risk-weighted assets | 124,148,000 | 125,938,000 | 125,491,000 | 123,686,000 |
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