Call reports 2003
BANK OF BOTETOURT — 2003
What BANK OF BOTETOURT reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 182,387,000 | 187,199,000 | 190,385,000 | 194,835,000 |
| Total loans | 122,155,000 | 132,264,000 | 139,890,000 | 146,077,000 |
| Allowance for loan losses | 1,516,000 | 1,575,000 | 1,715,000 | 1,689,000 |
| Securities available for sale | 36,368,000 | 28,337,000 | 30,419,000 | 27,400,000 |
| Securities held to maturity | 1,983,000 | 1,883,000 | 1,383,000 | 1,284,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 166,014,000 | 170,467,000 | 167,210,000 | 173,480,000 |
| Interest-bearing deposits | 144,023,000 | 149,474,000 | 142,603,000 | 149,030,000 |
| Noninterest-bearing deposits | 21,991,000 | 20,993,000 | 24,607,000 | 24,450,000 |
| Equity capital | 15,466,000 | 15,982,000 | 16,120,000 | 16,559,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 2,757,000 | 5,623,000 | 8,570,000 | 11,405,000 |
| Interest expense | 997,000 | 1,957,000 | 2,867,000 | 3,686,000 |
| Net interest income | 1,760,000 | 3,666,000 | 5,703,000 | 7,719,000 |
| Noninterest income | 279,000 | 567,000 | 800,000 | 1,022,000 |
| Noninterest expense | 1,345,000 | 2,672,000 | 3,984,000 | 5,459,000 |
| Provision for loan losses | 150,000 | 300,000 | 450,000 | 625,000 |
| Pretax income | 544,000 | 1,262,000 | 2,071,000 | 2,659,000 |
| Income tax | 159,000 | 369,000 | 608,000 | 743,000 |
| Net income | 385,000 | 893,000 | 1,463,000 | 1,916,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,753,000 | 15,155,000 | 15,607,000 | 15,941,000 |
| Total capital | 16,269,000 | 16,730,000 | 17,322,000 | 17,630,000 |
| Risk-weighted assets | 129,110,000 | 138,449,000 | 144,423,000 | 148,667,000 |