Call reports 2019
OLD POINT NATIONAL BANK OF PHOEBUS, THE — 2019
What OLD POINT NATIONAL BANK OF PHOEBUS, THE reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 1,021,007,000 | 1,023,404,000 | 1,044,249,000 | 1,048,158,000 |
| Total loans | 763,536,000 | 761,932,000 | 742,388,000 | 748,455,000 |
| Allowance for loan losses | 10,088,000 | 10,757,000 | 10,612,000 | 9,660,000 |
| Securities available for sale | 151,889,000 | 139,461,000 | 140,142,000 | 139,369,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 838,041,000 | 849,605,000 | 866,235,000 | 891,567,000 |
| Interest-bearing deposits | 603,417,000 | 605,193,000 | 613,179,000 | 627,160,000 |
| Noninterest-bearing deposits | 234,624,000 | 244,412,000 | 253,056,000 | 264,407,000 |
| Equity capital | 99,966,000 | 102,259,000 | 103,577,000 | 103,934,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 9,846,000 | 19,947,000 | 30,124,000 | 40,121,000 |
| Interest expense | 1,485,000 | 3,057,000 | 4,686,000 | 6,311,000 |
| Net interest income | 8,361,000 | 16,890,000 | 25,438,000 | 33,810,000 |
| Noninterest income | 2,163,000 | 4,517,000 | 6,803,000 | 8,866,000 |
| Noninterest expense | 8,166,000 | 16,482,000 | 25,012,000 | 33,833,000 |
| Provision for loan losses | 226,000 | 1,013,000 | 1,013,000 | 318,000 |
| Pretax income | 2,158,000 | 3,938,000 | 6,528,000 | 8,839,000 |
| Income tax | 209,000 | 385,000 | 744,000 | 1,054,000 |
| Net income | 1,949,000 | 3,553,000 | 5,784,000 | 7,785,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 97,817,000 | 98,832,000 | 100,175,000 | 101,286,000 |
| Total capital | 108,017,000 | 109,645,000 | 110,899,000 | 111,058,000 |
| Risk-weighted assets | 870,510,000 | 864,957,000 | 862,125,000 | 863,870,000 |