Call reports 2012
FIRST NATIONAL BANK OF FREDERICKSBURG, THE — 2012
What FIRST NATIONAL BANK OF FREDERICKSBURG, THE reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 206,008,000 | 205,808,000 | 207,112,000 | 207,616,000 |
| Total loans | 123,598,000 | 126,623,000 | 127,775,000 | 126,474,000 |
| Allowance for loan losses | 1,283,000 | 1,254,000 | 1,246,000 | 1,228,000 |
| Securities available for sale | 35,419,000 | 43,671,000 | 32,771,000 | 42,361,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 188,843,000 | 188,408,000 | 189,313,000 | 189,719,000 |
| Interest-bearing deposits | 155,141,000 | 154,420,000 | 156,152,000 | 155,732,000 |
| Noninterest-bearing deposits | 33,702,000 | 33,988,000 | 33,161,000 | 33,987,000 |
| Equity capital | 15,228,000 | 15,349,000 | 15,703,000 | 15,107,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,954,000 | 3,940,000 | 6,000,000 | 7,971,000 |
| Interest expense | 186,000 | 372,000 | 555,000 | 736,000 |
| Net interest income | 1,768,000 | 3,568,000 | 5,445,000 | 7,235,000 |
| Noninterest income | 270,000 | 531,000 | 767,000 | 1,179,000 |
| Noninterest expense | 1,825,000 | 3,718,000 | 5,577,000 | 7,598,000 |
| Provision for loan losses | 0 | 0 | 0 | 50,000 |
| Pretax income | 211,000 | 422,000 | 676,000 | 872,000 |
| Income tax | 37,000 | 75,000 | 145,000 | 180,000 |
| Net income | 174,000 | 347,000 | 531,000 | 692,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,871,000 | 15,974,000 | 16,157,000 | 16,246,000 |
| Total capital | 17,154,000 | 17,228,000 | 17,403,000 | 17,474,000 |
| Risk-weighted assets | 136,569,000 | 143,477,000 | 142,997,000 | 140,532,000 |