Call reports 2021
OLD POINT NATIONAL BANK OF PHOEBUS, THE — 2021
What OLD POINT NATIONAL BANK OF PHOEBUS, THE reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 1,250,353,000 | 1,267,532,000 | 1,304,291,000 | 1,330,067,000 |
| Total loans | 816,952,000 | 834,957,000 | 845,891,000 | 846,813,000 |
| Allowance for loan losses | 9,661,000 | 9,473,000 | 9,684,000 | 9,865,000 |
| Securities available for sale | 187,632,000 | 206,426,000 | 205,657,000 | 227,161,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 10,000 | 181,000 |
| Total deposits | 1,112,179,000 | 1,135,023,000 | 1,171,273,000 | 1,197,329,000 |
| Interest-bearing deposits | 726,479,000 | 735,216,000 | 757,874,000 | 755,569,000 |
| Noninterest-bearing deposits | 385,700,000 | 399,807,000 | 413,399,000 | 441,760,000 |
| Equity capital | 110,900,000 | 112,671,000 | 123,531,000 | 123,928,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 10,973,000 | 20,826,000 | 31,635,000 | 42,227,000 |
| Interest expense | 818,000 | 1,570,000 | 2,258,000 | 2,909,000 |
| Net interest income | 10,155,000 | 19,256,000 | 29,377,000 | 39,318,000 |
| Noninterest income | 2,866,000 | 5,085,000 | 7,426,000 | 9,681,000 |
| Noninterest expense | 9,383,000 | 18,681,000 | 28,402,000 | 38,094,000 |
| Provision for loan losses | 150,000 | 150,000 | 510,000 | 794,000 |
| Pretax income | 3,488,000 | 5,510,000 | 7,891,000 | 10,111,000 |
| Income tax | 549,000 | 798,000 | 1,123,000 | 1,373,000 |
| Net income | 2,939,000 | 4,712,000 | 6,768,000 | 8,738,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 105,919,000 | 107,004,000 | 118,371,000 | 119,652,000 |
| Total capital | 115,632,000 | 116,529,000 | 128,107,000 | 129,568,000 |
| Risk-weighted assets | 880,841,000 | 931,384,000 | 959,994,000 | 952,218,000 |