Call reports 2004
RAPPAHANNOCK NATIONAL BANK, THE — 2004
What RAPPAHANNOCK NATIONAL BANK, 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 | 47,576,000 | 50,568,000 | 56,084,000 | 57,323,000 |
| Total loans | 33,591,000 | 37,083,000 | 42,242,000 | 43,968,000 |
| Allowance for loan losses | 355,000 | 385,000 | 420,000 | 452,000 |
| Securities available for sale | 10,335,000 | 9,693,000 | 9,810,000 | 9,488,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 41,294,000 | 44,644,000 | 41,522,000 | 48,956,000 |
| Interest-bearing deposits | 33,442,000 | 33,070,000 | 32,512,000 | 37,665,000 |
| Noninterest-bearing deposits | 7,852,000 | 11,574,000 | 9,010,000 | 11,291,000 |
| Equity capital | 4,724,000 | 4,591,000 | 4,919,000 | 4,897,000 |
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 | 612,000 | 1,278,000 | 1,988,000 | 2,780,000 |
| Interest expense | 115,000 | 226,000 | 352,000 | 518,000 |
| Net interest income | 497,000 | 1,052,000 | 1,636,000 | 2,262,000 |
| Noninterest income | 78,000 | 163,000 | 245,000 | 333,000 |
| Noninterest expense | 336,000 | 666,000 | 1,010,000 | 1,372,000 |
| Provision for loan losses | 30,000 | 60,000 | 95,000 | 130,000 |
| Pretax income | 209,000 | 489,000 | 776,000 | 1,093,000 |
| Income tax | 50,000 | 122,000 | 196,000 | 280,000 |
| Net income | 159,000 | 367,000 | 580,000 | 813,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,405,000 | 4,450,000 | 4,664,000 | 4,664,000 |
| Total capital | 4,760,000 | 4,835,000 | 5,084,000 | 5,091,000 |
| Risk-weighted assets | 30,138,000 | 35,613,000 | 37,148,000 | 38,877,000 |
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