Call reports 2005
PATRICK HENRY NATIONAL BANK — 2005
What PATRICK HENRY NATIONAL BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 377,203,000 | 379,231,000 | 386,284,000 | 397,523,000 |
| Total loans | 207,014,000 | 212,419,000 | 218,822,000 | 231,733,000 |
| Allowance for loan losses | 2,411,000 | 2,560,000 | 2,599,000 | 2,473,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 93,618,000 | 88,088,000 | 87,646,000 | 93,652,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 352,539,000 | 354,145,000 | 360,716,000 | 371,886,000 |
| Interest-bearing deposits | 291,214,000 | 293,464,000 | 301,359,000 | 301,428,000 |
| Noninterest-bearing deposits | 61,325,000 | 60,681,000 | 59,357,000 | 70,458,000 |
| Equity capital | 23,385,000 | 23,592,000 | 23,723,000 | 23,850,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 4,279,000 | 8,704,000 | 13,161,000 | 17,769,000 |
| Interest expense | 1,874,000 | 3,906,000 | 6,078,000 | 8,307,000 |
| Net interest income | 2,405,000 | 4,798,000 | 7,083,000 | 9,462,000 |
| Noninterest income | 305,000 | 595,000 | 889,000 | 1,270,000 |
| Noninterest expense | 1,942,000 | 3,889,000 | 5,860,000 | 8,023,000 |
| Provision for loan losses | 60,000 | 120,000 | 180,000 | 240,000 |
| Pretax income | 708,000 | 1,384,000 | 1,932,000 | 2,469,000 |
| Income tax | 170,000 | 330,000 | 440,000 | 542,000 |
| Net income | 538,000 | 1,054,000 | 1,492,000 | 1,927,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,385,000 | 23,592,000 | 23,723,000 | 23,850,000 |
| Total capital | 25,796,000 | 26,152,000 | 26,322,000 | 26,323,000 |
| Risk-weighted assets | 215,959,000 | 221,634,000 | 224,001,000 | 234,676,000 |