Call reports 2004
NATIONAL BANK OF BLACKSBURG, THE — 2004
What NATIONAL BANK OF BLACKSBURG, THE 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 | 406,300,000 | 476,462,000 | 473,766,000 | 472,163,000 |
| Total loans | 258,099,000 | 302,627,000 | 310,727,000 | 317,624,000 |
| Allowance for loan losses | 3,106,000 | 3,531,000 | 3,442,000 | 3,298,000 |
| Securities available for sale | 70,569,000 | 78,411,000 | 77,956,000 | 75,062,000 |
| Securities held to maturity | 47,555,000 | 51,752,000 | 50,708,000 | 49,176,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 358,648,000 | 430,377,000 | 416,992,000 | 420,744,000 |
| Interest-bearing deposits | 306,279,000 | 372,840,000 | 353,199,000 | 364,009,000 |
| Noninterest-bearing deposits | 52,369,000 | 57,537,000 | 63,793,000 | 56,735,000 |
| Equity capital | 45,338,000 | 43,771,000 | 47,588,000 | 47,665,000 |
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 | 5,697,000 | 11,528,000 | 18,168,000 | 24,797,000 |
| Interest expense | 1,333,000 | 2,666,000 | 4,217,000 | 5,837,000 |
| Net interest income | 4,364,000 | 8,862,000 | 13,951,000 | 18,960,000 |
| Noninterest income | 1,201,000 | 2,504,000 | 3,912,000 | 5,322,000 |
| Noninterest expense | 2,841,000 | 5,826,000 | 9,136,000 | 12,501,000 |
| Provision for loan losses | 4,000 | 15,000 | 22,000 | 38,000 |
| Pretax income | 2,790,000 | 5,594,000 | 8,813,000 | 11,860,000 |
| Income tax | 728,000 | 1,473,000 | 2,362,000 | 3,195,000 |
| Net income | 2,062,000 | 4,121,000 | 6,451,000 | 8,665,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 40,077,000 | 33,188,000 | 35,572,000 | 36,692,000 |
| Total capital | 43,183,000 | 36,719,000 | 39,014,000 | 39,990,000 |
| Risk-weighted assets | 299,396,000 | 344,894,000 | 361,041,000 | 351,248,000 |