Call reports 2004
PATRICK HENRY NATIONAL BANK — 2004
What PATRICK HENRY NATIONAL BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 380,739,000 | 387,179,000 | 385,693,000 | 380,220,000 |
| Total loans | 181,983,000 | 204,860,000 | 210,616,000 | 204,273,000 |
| Allowance for loan losses | 2,474,000 | 2,432,000 | 2,427,000 | 2,404,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 97,468,000 | 117,160,000 | 88,302,000 | 72,011,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 356,945,000 | 363,065,000 | 361,146,000 | 355,503,000 |
| Interest-bearing deposits | 297,863,000 | 305,070,000 | 300,530,000 | 292,975,000 |
| Noninterest-bearing deposits | 59,082,000 | 57,995,000 | 60,616,000 | 62,528,000 |
| Equity capital | 22,512,000 | 22,735,000 | 23,059,000 | 23,155,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 4,130,000 | 8,389,000 | 12,770,000 | 16,974,000 |
| Interest expense | 1,865,000 | 3,784,000 | 5,695,000 | 7,614,000 |
| Net interest income | 2,265,000 | 4,605,000 | 7,075,000 | 9,360,000 |
| Noninterest income | 358,000 | 694,000 | 1,032,000 | 1,492,000 |
| Noninterest expense | 1,832,000 | 3,707,000 | 5,609,000 | 7,704,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 240,000 |
| Pretax income | 746,000 | 1,502,000 | 2,363,000 | 2,908,000 |
| Income tax | 210,000 | 435,000 | 665,000 | 806,000 |
| Net income | 536,000 | 1,067,000 | 1,698,000 | 2,102,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,512,000 | 22,735,000 | 23,059,000 | 23,155,000 |
| Total capital | 24,986,000 | 25,167,000 | 25,486,000 | 25,559,000 |
| Risk-weighted assets | 204,557,000 | 217,478,000 | 221,722,000 | 217,830,000 |