Call reports 2014
FIRST NATIONAL BANK OF FREDERICKSBURG, THE — 2014
What FIRST NATIONAL BANK OF FREDERICKSBURG, THE reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 226,884,000 | 225,922,000 | 225,044,000 | 230,704,000 |
| Total loans | 144,009,000 | 143,702,000 | 144,636,000 | 141,820,000 |
| Allowance for loan losses | 1,145,000 | 1,118,000 | 1,198,000 | 1,143,000 |
| Securities available for sale | 31,354,000 | 30,571,000 | 30,509,000 | 30,690,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 209,502,000 | 208,091,000 | 207,150,000 | 212,707,000 |
| Interest-bearing deposits | 168,228,000 | 165,628,000 | 161,299,000 | 169,955,000 |
| Noninterest-bearing deposits | 41,274,000 | 42,463,000 | 45,851,000 | 42,752,000 |
| Equity capital | 14,435,000 | 14,858,000 | 14,926,000 | 15,460,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,868,000 | 3,745,000 | 5,668,000 | 7,526,000 |
| Interest expense | 148,000 | 290,000 | 434,000 | 576,000 |
| Net interest income | 1,720,000 | 3,455,000 | 5,234,000 | 6,950,000 |
| Noninterest income | 262,000 | 536,000 | 839,000 | 1,150,000 |
| Noninterest expense | 1,844,000 | 3,693,000 | 5,572,000 | 7,560,000 |
| Provision for loan losses | 10,000 | 25,000 | 200,000 | 212,000 |
| Pretax income | 128,000 | 273,000 | 301,000 | 328,000 |
| Income tax | 16,000 | 36,000 | 9,000 | 27,000 |
| Net income | 112,000 | 237,000 | 292,000 | 301,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,677,000 | 16,802,000 | 16,858,000 | 16,832,000 |
| Total capital | 17,822,000 | 17,920,000 | 18,056,000 | 17,975,000 |
| Risk-weighted assets | 155,044,000 | 154,009,000 | 155,602,000 | 154,092,000 |
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