Call reports 2013
FIRST NATIONAL BANK OF FREDERICKSBURG, THE — 2013
What FIRST NATIONAL BANK OF FREDERICKSBURG, THE reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 217,619,000 | 217,009,000 | 215,183,000 | 214,134,000 |
| Total loans | 132,846,000 | 133,106,000 | 137,196,000 | 143,036,000 |
| Allowance for loan losses | 1,159,000 | 1,175,000 | 1,102,000 | 1,133,000 |
| Securities available for sale | 36,331,000 | 36,607,000 | 34,600,000 | 33,135,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 199,721,000 | 200,039,000 | 198,016,000 | 197,127,000 |
| Interest-bearing deposits | 163,230,000 | 162,789,000 | 161,079,000 | 160,532,000 |
| Noninterest-bearing deposits | 36,491,000 | 37,250,000 | 36,937,000 | 36,595,000 |
| Equity capital | 15,180,000 | 14,114,000 | 14,300,000 | 13,797,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,889,000 | 3,783,000 | 5,648,000 | 7,480,000 |
| Interest expense | 168,000 | 330,000 | 488,000 | 645,000 |
| Net interest income | 1,721,000 | 3,453,000 | 5,160,000 | 6,835,000 |
| Noninterest income | 261,000 | 541,000 | 816,000 | 1,201,000 |
| Noninterest expense | 1,880,000 | 3,769,000 | 5,637,000 | 7,576,000 |
| Provision for loan losses | 0 | 70,000 | 70,000 | 174,000 |
| Pretax income | 111,000 | 247,000 | 361,000 | 415,000 |
| Income tax | 19,000 | 61,000 | 63,000 | 61,000 |
| Net income | 92,000 | 186,000 | 298,000 | 354,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,339,000 | 16,397,000 | 16,509,000 | 16,565,000 |
| Total capital | 17,498,000 | 17,572,000 | 17,611,000 | 17,698,000 |
| Risk-weighted assets | 146,197,000 | 149,595,000 | 152,927,000 | 156,049,000 |