Call reports 2009
FIRST NATIONAL BANK OF FREDERICKSBURG, THE — 2009
What FIRST NATIONAL BANK OF FREDERICKSBURG, THE reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 179,879,000 | 180,540,000 | 185,838,000 | 185,269,000 |
| Total loans | 141,724,000 | 144,293,000 | 150,263,000 | 151,376,000 |
| Allowance for loan losses | 896,000 | 892,000 | 1,151,000 | 960,000 |
| Securities available for sale | 21,494,000 | 18,818,000 | 17,673,000 | 15,196,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 161,929,000 | 163,300,000 | 163,720,000 | 165,637,000 |
| Interest-bearing deposits | 128,676,000 | 131,746,000 | 132,503,000 | 135,405,000 |
| Noninterest-bearing deposits | 33,253,000 | 31,554,000 | 31,217,000 | 30,232,000 |
| Equity capital | 14,392,000 | 14,477,000 | 14,535,000 | 13,817,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 2,275,000 | 4,577,000 | 6,944,000 | 9,406,000 |
| Interest expense | 307,000 | 605,000 | 916,000 | 1,205,000 |
| Net interest income | 1,968,000 | 3,972,000 | 6,028,000 | 8,201,000 |
| Noninterest income | 273,000 | 553,000 | 818,000 | 1,153,000 |
| Noninterest expense | 1,808,000 | 3,701,000 | 5,705,000 | 8,004,000 |
| Provision for loan losses | 55,000 | 100,000 | 420,000 | 850,000 |
| Pretax income | 378,000 | 731,000 | 728,000 | 507,000 |
| Income tax | 92,000 | 169,000 | 123,000 | 76,000 |
| Net income | 286,000 | 562,000 | 605,000 | 431,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,518,000 | 14,581,000 | 14,623,000 | 14,236,000 |
| Total capital | 15,414,000 | 15,473,000 | 15,774,000 | 15,196,000 |
| Risk-weighted assets | 140,003,000 | 142,242,000 | 148,985,000 | 151,175,000 |
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