Call reports 2008
FIRST NATIONAL BANK OF FREDERICKSBURG, THE — 2008
What FIRST NATIONAL BANK OF FREDERICKSBURG, THE reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 176,623,000 | 184,953,000 | 177,134,000 | 179,469,000 |
| Total loans | 123,614,000 | 131,587,000 | 135,986,000 | 140,016,000 |
| Allowance for loan losses | 728,000 | 733,000 | 727,000 | 891,000 |
| Securities available for sale | 16,587,000 | 23,464,000 | 23,315,000 | 21,901,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 161,574,000 | 170,083,000 | 158,046,000 | 150,483,000 |
| Interest-bearing deposits | 129,471,000 | 139,667,000 | 129,426,000 | 121,745,000 |
| Noninterest-bearing deposits | 32,103,000 | 30,416,000 | 28,620,000 | 28,738,000 |
| Equity capital | 14,045,000 | 13,879,000 | 14,029,000 | 14,209,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 2,352,000 | 4,743,000 | 7,130,000 | 9,493,000 |
| Interest expense | 741,000 | 1,432,000 | 2,049,000 | 2,514,000 |
| Net interest income | 1,611,000 | 3,311,000 | 5,081,000 | 6,979,000 |
| Noninterest income | 266,000 | 565,000 | 853,000 | 1,181,000 |
| Noninterest expense | 1,644,000 | 3,330,000 | 5,059,000 | 7,110,000 |
| Provision for loan losses | 0 | 0 | 10,000 | 210,000 |
| Pretax income | 237,000 | 547,000 | 866,000 | 841,000 |
| Income tax | 51,000 | 119,000 | 185,000 | 150,000 |
| Net income | 186,000 | 428,000 | 681,000 | 691,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,274,000 | 14,303,000 | 14,555,000 | 14,232,000 |
| Total capital | 15,002,000 | 15,036,000 | 15,282,000 | 15,123,000 |
| Risk-weighted assets | 125,257,000 | 131,222,000 | 133,744,000 | 137,485,000 |
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