Call reports 2003
PATRICK HENRY NATIONAL BANK — 2003
What PATRICK HENRY NATIONAL BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 370,671,000 | 378,828,000 | 391,752,000 | 377,290,000 |
| Total loans | 181,766,000 | 182,135,000 | 185,269,000 | 180,791,000 |
| Allowance for loan losses | 1,295,000 | 2,356,000 | 2,404,000 | 2,441,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 87,978,000 | 74,979,000 | 85,119,000 | 112,938,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 347,219,000 | 355,770,000 | 368,492,000 | 353,643,000 |
| Interest-bearing deposits | 291,240,000 | 301,468,000 | 301,445,000 | 297,102,000 |
| Noninterest-bearing deposits | 55,979,000 | 54,302,000 | 67,047,000 | 56,541,000 |
| Equity capital | 21,965,000 | 21,288,000 | 22,020,000 | 22,284,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 4,810,000 | 9,419,000 | 13,879,000 | 18,258,000 |
| Interest expense | 2,211,000 | 4,392,000 | 6,472,000 | 8,440,000 |
| Net interest income | 2,599,000 | 5,027,000 | 7,407,000 | 9,818,000 |
| Noninterest income | 341,000 | 661,000 | 988,000 | 1,374,000 |
| Noninterest expense | 1,657,000 | 3,323,000 | 5,030,000 | 6,919,000 |
| Provision for loan losses | 45,000 | 1,199,000 | 1,282,000 | 1,327,000 |
| Pretax income | 1,238,000 | 1,166,000 | 2,083,000 | 2,946,000 |
| Income tax | 385,000 | 710,000 | 615,000 | 896,000 |
| Net income | 853,000 | 456,000 | 1,468,000 | 2,050,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,965,000 | 21,288,000 | 22,020,000 | 22,284,000 |
| Total capital | 23,260,000 | 23,644,000 | 24,424,000 | 24,725,000 |
| Risk-weighted assets | 202,707,000 | 205,472,000 | 210,896,000 | 204,321,000 |