Call reports 2010
FIRST NATIONAL BANK OF FREDERICKSBURG, THE — 2010
What FIRST NATIONAL BANK OF FREDERICKSBURG, THE reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 187,486,000 | 186,912,000 | 185,933,000 | 189,120,000 |
| Total loans | 148,323,000 | 144,604,000 | 139,696,000 | 135,290,000 |
| Allowance for loan losses | 1,360,000 | 1,367,000 | 1,374,000 | 1,460,000 |
| Securities available for sale | 13,800,000 | 12,716,000 | 9,713,000 | 12,637,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 172,123,000 | 171,019,000 | 169,718,000 | 172,652,000 |
| Interest-bearing deposits | 141,506,000 | 138,192,000 | 138,453,000 | 142,704,000 |
| Noninterest-bearing deposits | 30,617,000 | 32,827,000 | 31,265,000 | 29,948,000 |
| Equity capital | 13,844,000 | 14,167,000 | 14,487,000 | 14,375,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 2,327,000 | 4,752,000 | 7,088,000 | 9,397,000 |
| Interest expense | 248,000 | 449,000 | 687,000 | 888,000 |
| Net interest income | 2,079,000 | 4,303,000 | 6,401,000 | 8,509,000 |
| Noninterest income | 257,000 | 532,000 | 821,000 | 1,236,000 |
| Noninterest expense | 1,911,000 | 3,889,000 | 5,840,000 | 7,927,000 |
| Provision for loan losses | 425,000 | 445,000 | 495,000 | 810,000 |
| Pretax income | -6,000 | 495,000 | 881,000 | 1,002,000 |
| Income tax | -44,000 | 91,000 | 185,000 | 186,000 |
| Net income | 38,000 | 404,000 | 696,000 | 816,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,320,000 | 14,686,000 | 14,977,000 | 15,026,000 |
| Total capital | 15,680,000 | 16,053,000 | 16,351,000 | 16,486,000 |
| Risk-weighted assets | 148,476,000 | 146,155,000 | 141,135,000 | 140,869,000 |