Call reports 2002
BANK OF BOTETOURT — 2002
What BANK OF BOTETOURT reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 170,195,000 | 173,043,000 | 180,625,000 | 179,746,000 |
| Total loans | 119,487,000 | 121,827,000 | 120,532,000 | 115,884,000 |
| Allowance for loan losses | 1,199,000 | 1,354,000 | 1,389,000 | 1,414,000 |
| Securities available for sale | 24,913,000 | 28,132,000 | 29,383,000 | 36,438,000 |
| Securities held to maturity | 3,321,000 | 3,121,000 | 2,482,000 | 2,282,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 155,692,000 | 158,034,000 | 165,005,000 | 163,943,000 |
| Interest-bearing deposits | 135,405,000 | 138,013,000 | 143,687,000 | 142,039,000 |
| Noninterest-bearing deposits | 20,287,000 | 20,021,000 | 21,318,000 | 21,904,000 |
| Equity capital | 13,798,000 | 14,372,000 | 14,872,000 | 15,100,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 2,857,000 | 5,784,000 | 8,766,000 | 11,712,000 |
| Interest expense | 1,190,000 | 2,349,000 | 3,497,000 | 4,597,000 |
| Net interest income | 1,667,000 | 3,435,000 | 5,269,000 | 7,115,000 |
| Noninterest income | 303,000 | 584,000 | 859,000 | 1,137,000 |
| Noninterest expense | 1,208,000 | 2,429,000 | 3,696,000 | 4,932,000 |
| Provision for loan losses | 150,000 | 375,000 | 600,000 | 975,000 |
| Pretax income | 615,000 | 1,218,000 | 1,835,000 | 2,348,000 |
| Income tax | 171,000 | 350,000 | 534,000 | 653,000 |
| Net income | 444,000 | 868,000 | 1,301,000 | 1,695,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,492,000 | 13,809,000 | 14,137,000 | 14,425,000 |
| Total capital | 14,691,000 | 15,163,000 | 15,526,000 | 15,839,000 |
| Risk-weighted assets | 124,186,000 | 126,635,000 | 129,017,000 | 124,419,000 |