Call reports 2004
BANK OF BOTETOURT — 2004
What BANK OF BOTETOURT reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 200,174,000 | 206,464,000 | 207,917,000 | 211,962,000 |
| Total loans | 158,443,000 | 161,991,000 | 164,613,000 | 171,087,000 |
| Allowance for loan losses | 1,785,000 | 1,944,000 | 2,050,000 | 2,132,000 |
| Securities available for sale | 21,253,000 | 20,124,000 | 21,833,000 | 23,753,000 |
| Securities held to maturity | 1,184,000 | 1,184,000 | 1,084,000 | 910,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 180,216,000 | 189,011,000 | 189,607,000 | 192,716,000 |
| Interest-bearing deposits | 155,247,000 | 161,027,000 | 161,276,000 | 164,857,000 |
| Noninterest-bearing deposits | 24,969,000 | 27,984,000 | 28,331,000 | 27,859,000 |
| Equity capital | 17,100,000 | 16,846,000 | 17,644,000 | 18,069,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 2,859,000 | 5,772,000 | 8,774,000 | 11,971,000 |
| Interest expense | 805,000 | 1,631,000 | 2,477,000 | 3,340,000 |
| Net interest income | 2,054,000 | 4,141,000 | 6,297,000 | 8,631,000 |
| Noninterest income | 267,000 | 578,000 | 961,000 | 1,225,000 |
| Noninterest expense | 1,269,000 | 2,685,000 | 4,157,000 | 5,779,000 |
| Provision for loan losses | 225,000 | 450,000 | 600,000 | 725,000 |
| Pretax income | 828,000 | 1,585,000 | 2,502,000 | 3,353,000 |
| Income tax | 250,000 | 497,000 | 776,000 | 967,000 |
| Net income | 578,000 | 1,088,000 | 1,726,000 | 2,386,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,424,000 | 16,629,000 | 17,123,000 | 17,640,000 |
| Total capital | 18,209,000 | 18,573,000 | 19,173,000 | 19,759,000 |
| Risk-weighted assets | 159,566,000 | 163,415,000 | 164,742,000 | 169,490,000 |