Call reports 2007
BANK OF BOTETOURT — 2007
What BANK OF BOTETOURT reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 263,846,000 | 270,426,000 | 279,060,000 | 278,245,000 |
| Total loans | 215,363,000 | 219,091,000 | 229,173,000 | 237,680,000 |
| Allowance for loan losses | 2,299,000 | 2,388,000 | 2,303,000 | 2,292,000 |
| Securities available for sale | 22,744,000 | 22,630,000 | 21,537,000 | 20,659,000 |
| Securities held to maturity | 190,000 | 100,000 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 238,611,000 | 244,299,000 | 252,147,000 | 248,152,000 |
| Interest-bearing deposits | 204,381,000 | 210,411,000 | 216,348,000 | 215,663,000 |
| Noninterest-bearing deposits | 34,230,000 | 33,889,000 | 35,799,000 | 32,489,000 |
| Equity capital | 22,859,000 | 23,408,000 | 24,158,000 | 25,052,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 4,639,000 | 9,437,000 | 14,222,000 | 19,179,000 |
| Interest expense | 1,860,000 | 3,854,000 | 5,959,000 | 8,072,000 |
| Net interest income | 2,779,000 | 5,583,000 | 8,263,000 | 11,107,000 |
| Noninterest income | 350,000 | 738,000 | 1,094,000 | 1,405,000 |
| Noninterest expense | 1,812,000 | 3,655,000 | 5,372,000 | 7,361,000 |
| Provision for loan losses | 75,000 | 150,000 | 250,000 | 275,000 |
| Pretax income | 1,242,000 | 2,516,000 | 3,735,000 | 4,876,000 |
| Income tax | 376,000 | 777,000 | 1,166,000 | 1,515,000 |
| Net income | 866,000 | 1,739,000 | 2,569,000 | 3,361,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,556,000 | 24,186,000 | 24,771,000 | 25,328,000 |
| Total capital | 25,855,000 | 26,574,000 | 27,074,000 | 27,620,000 |
| Risk-weighted assets | 209,425,000 | 212,893,000 | 224,416,000 | 233,830,000 |