Call reports 2009
BANK OF BOTETOURT — 2009
What BANK OF BOTETOURT reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 302,967,000 | 306,246,000 | 300,166,000 | 309,139,000 |
| Total loans | 261,705,000 | 261,837,000 | 263,572,000 | 263,946,000 |
| Allowance for loan losses | 3,939,000 | 3,610,000 | 3,494,000 | 3,947,000 |
| Securities available for sale | 16,863,000 | 17,261,000 | 16,206,000 | 16,090,000 |
| Securities held to maturity | 600,000 | 400,000 | 300,000 | 100,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 274,245,000 | 277,395,000 | 271,010,000 | 280,484,000 |
| Interest-bearing deposits | 241,169,000 | 241,934,000 | 238,460,000 | 249,133,000 |
| Noninterest-bearing deposits | 33,076,000 | 35,461,000 | 32,550,000 | 31,351,000 |
| Equity capital | 25,822,000 | 25,648,000 | 25,953,000 | 26,566,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 4,298,000 | 8,486,000 | 12,593,000 | 16,779,000 |
| Interest expense | 1,733,000 | 3,466,000 | 5,112,000 | 6,639,000 |
| Net interest income | 2,565,000 | 5,020,000 | 7,481,000 | 10,140,000 |
| Noninterest income | 374,000 | 819,000 | 1,309,000 | 1,600,000 |
| Noninterest expense | 1,974,000 | 4,357,000 | 6,497,000 | 8,894,000 |
| Provision for loan losses | 475,000 | 785,000 | 1,045,000 | 1,790,000 |
| Pretax income | 490,000 | 705,000 | 1,257,000 | 1,065,000 |
| Income tax | 140,000 | 190,000 | 348,000 | 245,000 |
| Net income | 350,000 | 515,000 | 909,000 | 820,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,071,000 | 27,037,000 | 27,245,000 | 27,045,000 |
| Total capital | 30,318,000 | 30,272,000 | 30,459,000 | 30,264,000 |
| Risk-weighted assets | 259,097,000 | 258,445,000 | 256,833,000 | 256,822,000 |