Call reports 2003
RAPPAHANNOCK NATIONAL BANK, THE — 2003
What RAPPAHANNOCK NATIONAL BANK, 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 | 41,695,000 | 40,728,000 | 45,285,000 | 47,040,000 |
| Total loans | 20,254,000 | 23,986,000 | 29,652,000 | 31,844,000 |
| Allowance for loan losses | 236,000 | 255,000 | 286,000 | 325,000 |
| Securities available for sale | 14,459,000 | 13,538,000 | 12,026,000 | 10,904,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 36,748,000 | 36,002,000 | 34,240,000 | 40,418,000 |
| Interest-bearing deposits | 30,026,000 | 27,922,000 | 26,175,000 | 31,136,000 |
| Noninterest-bearing deposits | 6,722,000 | 8,080,000 | 8,065,000 | 9,283,000 |
| Equity capital | 4,369,000 | 4,495,000 | 4,532,000 | 4,537,000 |
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 | 532,000 | 1,089,000 | 1,666,000 | 2,296,000 |
| Interest expense | 137,000 | 268,000 | 399,000 | 533,000 |
| Net interest income | 395,000 | 821,000 | 1,267,000 | 1,763,000 |
| Noninterest income | 59,000 | 130,000 | 206,000 | 282,000 |
| Noninterest expense | 224,000 | 466,000 | 727,000 | 1,045,000 |
| Provision for loan losses | 15,000 | 35,000 | 65,000 | 105,000 |
| Pretax income | 215,000 | 450,000 | 681,000 | 896,000 |
| Income tax | 48,000 | 103,000 | 157,000 | 205,000 |
| Net income | 167,000 | 347,000 | 524,000 | 691,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,069,000 | 4,080,000 | 4,256,000 | 4,247,000 |
| Total capital | 4,305,000 | 4,335,000 | 4,542,000 | 4,572,000 |
| Risk-weighted assets | 22,908,000 | 25,334,000 | 28,221,000 | 30,171,000 |
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