Call reports 2005
BANK OF BOTETOURT — 2005
What BANK OF BOTETOURT reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 214,792,000 | 222,380,000 | 231,976,000 | 237,257,000 |
| Total loans | 172,956,000 | 178,388,000 | 181,657,000 | 185,624,000 |
| Allowance for loan losses | 2,238,000 | 2,273,000 | 2,240,000 | 2,271,000 |
| Securities available for sale | 23,192,000 | 23,130,000 | 24,891,000 | 27,940,000 |
| Securities held to maturity | 760,000 | 760,000 | 660,000 | 460,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 193,691,000 | 202,470,000 | 211,319,000 | 215,967,000 |
| Interest-bearing deposits | 165,710,000 | 173,726,000 | 180,348,000 | 184,478,000 |
| Noninterest-bearing deposits | 27,981,000 | 28,744,000 | 30,971,000 | 31,489,000 |
| Equity capital | 18,561,000 | 19,160,000 | 19,786,000 | 20,334,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 3,296,000 | 6,723,000 | 10,444,000 | 14,242,000 |
| Interest expense | 887,000 | 1,846,000 | 2,925,000 | 4,070,000 |
| Net interest income | 2,409,000 | 4,877,000 | 7,519,000 | 10,172,000 |
| Noninterest income | 376,000 | 745,000 | 1,104,000 | 1,385,000 |
| Noninterest expense | 1,610,000 | 3,141,000 | 4,771,000 | 6,555,000 |
| Provision for loan losses | 125,000 | 250,000 | 350,000 | 450,000 |
| Pretax income | 1,057,000 | 2,238,000 | 3,509,000 | 4,559,000 |
| Income tax | 314,000 | 683,000 | 1,082,000 | 1,363,000 |
| Net income | 743,000 | 1,555,000 | 2,427,000 | 3,196,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,275,000 | 18,919,000 | 19,597,000 | 20,270,000 |
| Total capital | 20,419,000 | 21,112,000 | 21,827,000 | 22,541,000 |
| Risk-weighted assets | 171,396,000 | 175,325,000 | 178,357,000 | 181,579,000 |