Call reports 2006
BANK OF BOTETOURT — 2006
What BANK OF BOTETOURT reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 246,482,000 | 255,825,000 | 248,212,000 | 253,038,000 |
| Total loans | 190,086,000 | 194,526,000 | 205,374,000 | 212,043,000 |
| Allowance for loan losses | 2,291,000 | 2,349,000 | 2,393,000 | 2,502,000 |
| Securities available for sale | 29,004,000 | 29,101,000 | 28,023,000 | 24,799,000 |
| Securities held to maturity | 290,000 | 190,000 | 190,000 | 190,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 224,292,000 | 233,092,000 | 222,806,000 | 227,285,000 |
| Interest-bearing deposits | 190,592,000 | 196,532,000 | 186,799,000 | 193,461,000 |
| Noninterest-bearing deposits | 33,700,000 | 36,560,000 | 36,007,000 | 33,824,000 |
| Equity capital | 21,009,000 | 21,588,000 | 22,363,000 | 22,223,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 4,049,000 | 8,347,000 | 12,723,000 | 17,249,000 |
| Interest expense | 1,330,000 | 2,824,000 | 4,399,000 | 6,084,000 |
| Net interest income | 2,719,000 | 5,523,000 | 8,324,000 | 11,165,000 |
| Noninterest income | 374,000 | 762,000 | 1,121,000 | 1,408,000 |
| Noninterest expense | 1,761,000 | 3,480,000 | 5,336,000 | 7,283,000 |
| Provision for loan losses | 75,000 | 150,000 | 225,000 | 300,000 |
| Pretax income | 1,257,000 | 2,655,000 | 3,884,000 | 4,990,000 |
| Income tax | 381,000 | 822,000 | 1,205,000 | 1,512,000 |
| Net income | 876,000 | 1,833,000 | 2,679,000 | 3,478,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,935,000 | 21,686,000 | 22,313,000 | 22,911,000 |
| Total capital | 23,226,000 | 24,035,000 | 24,706,000 | 25,413,000 |
| Risk-weighted assets | 185,237,000 | 189,618,000 | 196,504,000 | 203,989,000 |