Call reports 2010
BANK OF BOTETOURT — 2010
What BANK OF BOTETOURT reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 311,828,000 | 317,620,000 | 320,972,000 | 310,108,000 |
| Total loans | 263,771,000 | 263,301,000 | 263,884,000 | 262,706,000 |
| Allowance for loan losses | 3,548,000 | 3,443,000 | 4,032,000 | 5,148,000 |
| Securities available for sale | 15,317,000 | 14,667,000 | 15,360,000 | 15,043,000 |
| Securities held to maturity | 100,000 | 100,000 | 100,000 | 100,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 282,789,000 | 288,789,000 | 292,359,000 | 281,752,000 |
| Interest-bearing deposits | 249,473,000 | 254,796,000 | 257,071,000 | 248,041,000 |
| Noninterest-bearing deposits | 33,316,000 | 33,993,000 | 35,288,000 | 33,711,000 |
| Equity capital | 26,841,000 | 26,958,000 | 26,632,000 | 25,784,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 4,159,000 | 8,240,000 | 12,280,000 | 16,404,000 |
| Interest expense | 1,371,000 | 2,652,000 | 3,954,000 | 5,163,000 |
| Net interest income | 2,788,000 | 5,588,000 | 8,326,000 | 11,241,000 |
| Noninterest income | 396,000 | 809,000 | 1,045,000 | 1,440,000 |
| Noninterest expense | 2,158,000 | 4,333,000 | 6,449,000 | 8,911,000 |
| Provision for loan losses | 570,000 | 1,225,000 | 2,655,000 | 4,045,000 |
| Pretax income | 457,000 | 840,000 | 268,000 | -272,000 |
| Income tax | 131,000 | 237,000 | 15,000 | -205,000 |
| Net income | 326,000 | 603,000 | 253,000 | -67,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,270,000 | 27,417,000 | 26,968,000 | 26,550,000 |
| Total capital | 30,474,000 | 30,609,000 | 30,156,000 | 29,715,000 |
| Risk-weighted assets | 255,936,000 | 255,081,000 | 254,167,000 | 251,192,000 |