Call reports 2015
FIRST NATIONAL BANK OF FREDERICKSBURG, THE — 2015
What FIRST NATIONAL BANK OF FREDERICKSBURG, THE reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 |
|---|---|---|---|
| Total assets | 238,080,000 | 232,409,000 | 227,244,000 |
| Total loans | 142,946,000 | 146,425,000 | 149,059,000 |
| Allowance for loan losses | 1,177,000 | 1,213,000 | 1,251,000 |
| Securities available for sale | 30,900,000 | 30,629,000 | 28,771,000 |
| Securities held to maturity | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 |
| Total deposits | 219,748,000 | 214,114,000 | 209,019,000 |
| Interest-bearing deposits | 174,794,000 | 170,688,000 | 165,754,000 |
| Noninterest-bearing deposits | 44,954,000 | 43,426,000 | 43,265,000 |
| Equity capital | 15,838,000 | 15,757,000 | 15,827,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 |
|---|---|---|---|
| Interest income | 1,845,000 | 3,716,000 | 5,577,000 |
| Interest expense | 136,000 | 265,000 | 389,000 |
| Net interest income | 1,709,000 | 3,451,000 | 5,188,000 |
| Noninterest income | 265,000 | 534,000 | 800,000 |
| Noninterest expense | 1,797,000 | 3,628,000 | 5,722,000 |
| Provision for loan losses | 55,000 | 125,000 | 325,000 |
| Pretax income | 122,000 | 232,000 | -59,000 |
| Income tax | 21,000 | 30,000 | -104,000 |
| Net income | 101,000 | 202,000 | 45,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 |
|---|---|---|---|
| Tier 1 capital | 16,933,000 | 17,033,000 | 16,875,000 |
| Total capital | 18,110,000 | 18,246,000 | 18,126,000 |
| Risk-weighted assets | 156,679,000 | 160,151,000 | 162,207,000 |