Call reports 2012
OLD POINT NATIONAL BANK OF PHOEBUS, THE — 2012
What OLD POINT NATIONAL BANK OF PHOEBUS, THE reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 865,302,000 | 868,036,000 | 883,611,000 | 903,454,000 |
| Total loans | 490,253,000 | 476,614,000 | 463,668,000 | 471,133,000 |
| Allowance for loan losses | 8,087,000 | 7,671,000 | 7,301,000 | 7,324,000 |
| Securities available for sale | 266,492,000 | 293,397,000 | 310,016,000 | 327,410,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 707,253,000 | 724,535,000 | 732,050,000 | 754,353,000 |
| Interest-bearing deposits | 540,878,000 | 550,597,000 | 555,484,000 | 577,075,000 |
| Noninterest-bearing deposits | 166,375,000 | 173,938,000 | 176,566,000 | 177,277,000 |
| Equity capital | 80,587,000 | 81,899,000 | 84,821,000 | 83,611,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 8,412,000 | 16,714,000 | 24,664,000 | 32,543,000 |
| Interest expense | 1,511,000 | 3,010,000 | 4,424,000 | 5,775,000 |
| Net interest income | 6,901,000 | 13,704,000 | 20,240,000 | 26,768,000 |
| Noninterest income | 1,782,000 | 3,569,000 | 6,044,000 | 8,187,000 |
| Noninterest expense | 7,518,000 | 15,259,000 | 23,085,000 | 30,226,000 |
| Provision for loan losses | 200,000 | 1,200,000 | 1,950,000 | 2,400,000 |
| Pretax income | 1,279,000 | 1,898,000 | 2,953,000 | 4,642,000 |
| Income tax | 293,000 | 352,000 | 388,000 | 792,000 |
| Net income | 986,000 | 1,546,000 | 2,565,000 | 3,850,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 81,690,000 | 82,001,000 | 82,771,000 | 83,804,000 |
| Total capital | 88,840,000 | 89,042,000 | 89,709,000 | 90,942,000 |
| Risk-weighted assets | 571,097,000 | 562,638,000 | 554,693,000 | 570,846,000 |