Call reports 2015
OLD POINT NATIONAL BANK OF PHOEBUS, THE — 2015
What OLD POINT NATIONAL BANK OF PHOEBUS, THE reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 882,771,000 | 888,344,000 | 873,986,000 | 891,877,000 |
| Total loans | 555,235,000 | 571,539,000 | 570,457,000 | 568,475,000 |
| Allowance for loan losses | 7,411,000 | 7,397,000 | 7,419,000 | 7,738,000 |
| Securities available for sale | 132,269,000 | 127,949,000 | 126,170,000 | 209,670,000 |
| Securities held to maturity | 88,189,000 | 85,534,000 | 83,290,000 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 730,216,000 | 725,789,000 | 731,463,000 | 748,961,000 |
| Interest-bearing deposits | 535,730,000 | 538,695,000 | 532,804,000 | 531,380,000 |
| Noninterest-bearing deposits | 194,487,000 | 187,094,000 | 198,659,000 | 217,581,000 |
| Equity capital | 82,152,000 | 81,935,000 | 83,052,000 | 85,183,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 7,491,000 | 15,029,000 | 22,624,000 | 30,242,000 |
| Interest expense | 892,000 | 1,812,000 | 2,726,000 | 3,633,000 |
| Net interest income | 6,599,000 | 13,217,000 | 19,898,000 | 26,609,000 |
| Noninterest income | 1,981,000 | 4,180,000 | 6,139,000 | 7,482,000 |
| Noninterest expense | 7,274,000 | 14,699,000 | 22,541,000 | 29,894,000 |
| Provision for loan losses | 275,000 | 300,000 | 250,000 | 1,025,000 |
| Pretax income | 1,031,000 | 2,398,000 | 3,246,000 | 3,248,000 |
| Income tax | 21,000 | 178,000 | 165,000 | -96,000 |
| Net income | 1,010,000 | 2,220,000 | 3,081,000 | 3,344,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 87,807,000 | 88,417,000 | 88,678,000 | 88,341,000 |
| Total capital | 95,218,000 | 95,814,000 | 96,097,000 | 96,079,000 |
| Risk-weighted assets | 692,421,000 | 698,021,000 | 690,578,000 | 694,863,000 |