Call reports 2009
OLD POINT NATIONAL BANK OF PHOEBUS, THE — 2009
What OLD POINT NATIONAL BANK OF PHOEBUS, 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 | 877,142,000 | 849,136,000 | 867,588,000 | 917,311,000 |
| Total loans | 629,987,000 | 632,665,000 | 635,371,000 | 635,487,000 |
| Allowance for loan losses | 7,014,000 | 7,275,000 | 7,754,000 | 7,864,000 |
| Securities available for sale | 136,423,000 | 135,023,000 | 127,198,000 | 172,068,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 646,433,000 | 627,654,000 | 626,368,000 | 663,760,000 |
| Interest-bearing deposits | 530,705,000 | 517,867,000 | 515,696,000 | 551,672,000 |
| Noninterest-bearing deposits | 115,728,000 | 109,787,000 | 110,672,000 | 112,088,000 |
| Equity capital | 77,272,000 | 76,286,000 | 77,063,000 | 76,108,000 |
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 | 10,371,000 | 20,743,000 | 31,201,000 | 41,607,000 |
| Interest expense | 3,920,000 | 7,628,000 | 11,059,000 | 14,343,000 |
| Net interest income | 6,451,000 | 13,115,000 | 20,142,000 | 27,264,000 |
| Noninterest income | 2,039,000 | 4,197,000 | 6,504,000 | 8,340,000 |
| Noninterest expense | 6,529,000 | 13,540,000 | 20,223,000 | 27,218,000 |
| Provision for loan losses | 1,000,000 | 4,000,000 | 5,000,000 | 6,875,000 |
| Pretax income | 961,000 | -228,000 | 1,423,000 | 1,801,000 |
| Income tax | 239,000 | -274,000 | 185,000 | 159,000 |
| Net income | 722,000 | 46,000 | 1,238,000 | 1,642,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 77,950,000 | 76,774,000 | 77,466,000 | 77,370,000 |
| Total capital | 84,964,000 | 84,049,000 | 85,220,000 | 85,234,000 |
| Risk-weighted assets | 670,788,000 | 673,093,000 | 682,441,000 | 696,669,000 |