Call reports 2003
NATIONAL BANK OF BLACKSBURG, THE — 2003
What NATIONAL BANK OF BLACKSBURG, THE 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 | 390,067,000 | 398,152,000 | 393,286,000 | 401,274,000 |
| Total loans | 241,551,000 | 248,722,000 | 249,633,000 | 250,867,000 |
| Allowance for loan losses | 3,077,000 | 3,109,000 | 3,187,000 | 3,181,000 |
| Securities available for sale | 67,138,000 | 69,010,000 | 67,333,000 | 65,547,000 |
| Securities held to maturity | 47,912,000 | 48,434,000 | 49,152,000 | 45,348,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 348,044,000 | 355,244,000 | 349,572,000 | 356,837,000 |
| Interest-bearing deposits | 299,359,000 | 300,216,000 | 297,312,000 | 304,630,000 |
| Noninterest-bearing deposits | 48,685,000 | 55,028,000 | 52,260,000 | 52,207,000 |
| Equity capital | 40,209,000 | 41,464,000 | 42,158,000 | 42,794,000 |
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 | 5,918,000 | 11,832,000 | 17,744,000 | 23,569,000 |
| Interest expense | 1,855,000 | 3,597,000 | 5,078,000 | 6,450,000 |
| Net interest income | 4,063,000 | 8,235,000 | 12,666,000 | 17,119,000 |
| Noninterest income | 1,052,000 | 2,275,000 | 3,457,000 | 4,697,000 |
| Noninterest expense | 2,756,000 | 5,565,000 | 8,469,000 | 11,242,000 |
| Provision for loan losses | 240,000 | 454,000 | 670,000 | 785,000 |
| Pretax income | 2,119,000 | 4,494,000 | 6,987,000 | 9,792,000 |
| Income tax | 497,000 | 1,104,000 | 1,738,000 | 2,376,000 |
| Net income | 1,622,000 | 3,390,000 | 5,249,000 | 7,416,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 35,132,000 | 35,399,000 | 37,370,000 | 37,903,000 |
| Total capital | 38,209,000 | 38,508,000 | 40,557,000 | 41,084,000 |
| Risk-weighted assets | 277,074,000 | 287,675,000 | 287,338,000 | 290,841,000 |