Call reports 2005
RAPPAHANNOCK NATIONAL BANK, THE — 2005
What RAPPAHANNOCK NATIONAL BANK, 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 | 57,692,000 | 61,004,000 | 61,865,000 | 72,721,000 |
| Total loans | 45,275,000 | 48,161,000 | 49,784,000 | 51,769,000 |
| Allowance for loan losses | 485,000 | 493,000 | 494,000 | 503,000 |
| Securities available for sale | 8,776,000 | 8,711,000 | 8,343,000 | 9,531,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 45,866,000 | 52,597,000 | 51,763,000 | 66,912,000 |
| Interest-bearing deposits | 36,758,000 | 42,475,000 | 42,939,000 | 53,343,000 |
| Noninterest-bearing deposits | 9,108,000 | 10,122,000 | 8,824,000 | 13,569,000 |
| Equity capital | 5,055,000 | 5,131,000 | 5,393,000 | 5,432,000 |
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 | 800,000 | 1,678,000 | 2,616,000 | 3,626,000 |
| Interest expense | 176,000 | 406,000 | 689,000 | 996,000 |
| Net interest income | 624,000 | 1,272,000 | 1,927,000 | 2,630,000 |
| Noninterest income | 77,000 | 167,000 | 248,000 | 341,000 |
| Noninterest expense | 359,000 | 746,000 | 1,121,000 | 1,493,000 |
| Provision for loan losses | 32,000 | 42,000 | 46,000 | 51,000 |
| Pretax income | 314,000 | 658,000 | 1,015,000 | 1,434,000 |
| Income tax | 83,000 | 176,000 | 275,000 | 394,000 |
| Net income | 231,000 | 482,000 | 740,000 | 1,040,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,917,000 | 4,969,000 | 5,226,000 | 5,325,000 |
| Total capital | 5,402,000 | 5,462,000 | 5,720,000 | 5,828,000 |
| Risk-weighted assets | 40,193,000 | 40,293,000 | 40,659,000 | 44,896,000 |
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