Call reports 2009
RAPPAHANNOCK NATIONAL BANK, THE — 2009
What RAPPAHANNOCK NATIONAL BANK, THE reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 186,818,000 | 187,021,000 | 187,800,000 | 186,459,000 |
| Total loans | 119,004,000 | 120,981,000 | 125,349,000 | 130,422,000 |
| Allowance for loan losses | 1,139,000 | 1,304,000 | 1,462,000 | 1,605,000 |
| Securities available for sale | 30,044,000 | 46,821,000 | 46,597,000 | 40,290,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 165,931,000 | 163,019,000 | 157,530,000 | 160,386,000 |
| Interest-bearing deposits | 147,017,000 | 143,349,000 | 136,645,000 | 135,989,000 |
| Noninterest-bearing deposits | 18,914,000 | 19,670,000 | 20,885,000 | 24,397,000 |
| Equity capital | 16,947,000 | 16,982,000 | 17,823,000 | 18,023,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 2,192,000 | 4,494,000 | 6,902,000 | 9,299,000 |
| Interest expense | 988,000 | 1,931,000 | 2,730,000 | 3,441,000 |
| Net interest income | 1,204,000 | 2,563,000 | 4,172,000 | 5,858,000 |
| Noninterest income | 229,000 | 484,000 | 755,000 | 1,010,000 |
| Noninterest expense | 1,273,000 | 2,669,000 | 3,959,000 | 5,250,000 |
| Provision for loan losses | 150,000 | 360,000 | 650,000 | 925,000 |
| Pretax income | 10,000 | 19,000 | 319,000 | 771,000 |
| Income tax | -7,000 | -48,000 | -46,000 | 66,000 |
| Net income | 17,000 | 67,000 | 365,000 | 705,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,161,000 | 12,266,000 | 12,516,000 | 12,852,000 |
| Total capital | 13,300,000 | 13,570,000 | 13,978,000 | 14,332,000 |
| Risk-weighted assets | 112,992,000 | 114,118,000 | 116,701,000 | 118,310,000 |