Call reports 2005
NATIONAL BANK OF BLACKSBURG, THE — 2005
What NATIONAL BANK OF BLACKSBURG, THE 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 | 472,780,000 | 482,756,000 | 481,805,000 | 488,594,000 |
| Total loans | 320,717,000 | 323,888,000 | 325,678,000 | 321,088,000 |
| Allowance for loan losses | 3,192,000 | 3,103,000 | 3,034,000 | 2,985,000 |
| Securities available for sale | 73,124,000 | 72,167,000 | 71,289,000 | 77,022,000 |
| Securities held to maturity | 48,274,000 | 47,267,000 | 49,986,000 | 48,219,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 419,751,000 | 430,442,000 | 427,656,000 | 434,727,000 |
| Interest-bearing deposits | 356,890,000 | 370,084,000 | 363,546,000 | 374,560,000 |
| Noninterest-bearing deposits | 62,861,000 | 60,358,000 | 64,110,000 | 60,167,000 |
| Equity capital | 49,197,000 | 49,833,000 | 51,752,000 | 51,559,000 |
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 | 6,683,000 | 13,460,000 | 20,409,000 | 27,422,000 |
| Interest expense | 1,649,000 | 3,398,000 | 5,462,000 | 7,669,000 |
| Net interest income | 5,034,000 | 10,062,000 | 14,947,000 | 19,753,000 |
| Noninterest income | 1,434,000 | 2,979,000 | 4,493,000 | 6,090,000 |
| Noninterest expense | 3,506,000 | 6,969,000 | 10,247,000 | 13,500,000 |
| Provision for loan losses | -8,000 | -9,000 | -6,000 | -2,000 |
| Pretax income | 2,969,000 | 6,081,000 | 9,198,000 | 12,350,000 |
| Income tax | 803,000 | 1,658,000 | 2,511,000 | 3,381,000 |
| Net income | 2,166,000 | 4,423,000 | 6,687,000 | 8,969,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 38,620,000 | 39,255,000 | 41,360,000 | 41,944,000 |
| Total capital | 41,812,000 | 42,358,000 | 44,394,000 | 44,929,000 |
| Risk-weighted assets | 352,931,000 | 355,631,000 | 356,369,000 | 361,936,000 |