Call reports 2006
PATRICK HENRY NATIONAL BANK — 2006
What PATRICK HENRY NATIONAL BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 |
|---|---|---|---|
| Total assets | 386,165,000 | 388,972,000 | 396,279,000 |
| Total loans | 230,069,000 | 237,090,000 | 243,130,000 |
| Allowance for loan losses | 2,517,000 | 2,545,000 | 2,578,000 |
| Securities available for sale | 0 | 0 | 0 |
| Securities held to maturity | 88,160,000 | 84,167,000 | 87,175,000 |
| Trading assets | 0 | 0 | 0 |
| Total deposits | 360,651,000 | 363,375,000 | 369,385,000 |
| Interest-bearing deposits | 295,202,000 | 302,966,000 | 309,610,000 |
| Noninterest-bearing deposits | 65,449,000 | 60,409,000 | 59,775,000 |
| Equity capital | 24,181,000 | 24,363,000 | 24,629,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 |
|---|---|---|---|
| Interest income | 4,875,000 | 9,895,000 | 15,155,000 |
| Interest expense | 2,303,000 | 4,891,000 | 7,621,000 |
| Net interest income | 2,572,000 | 5,004,000 | 7,534,000 |
| Noninterest income | 295,000 | 550,000 | 873,000 |
| Noninterest expense | 2,008,000 | 4,064,000 | 6,178,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 |
| Pretax income | 814,000 | 1,400,000 | 2,094,000 |
| Income tax | 175,000 | 270,000 | 390,000 |
| Net income | 639,000 | 1,130,000 | 1,704,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 |
|---|---|---|---|
| Tier 1 capital | 24,181,000 | 24,363,000 | 24,629,000 |
| Total capital | 26,698,000 | 26,908,000 | 27,207,000 |
| Risk-weighted assets | 231,465,000 | 233,731,000 | 239,118,000 |