Call reports 2012
BANK OF BOTETOURT — 2012
What BANK OF BOTETOURT reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 306,315,000 | 303,192,000 | 301,042,000 | 295,276,000 |
| Total loans | 243,159,000 | 241,986,000 | 242,308,000 | 240,367,000 |
| Allowance for loan losses | 5,284,000 | 5,026,000 | 5,255,000 | 5,065,000 |
| Securities available for sale | 14,632,000 | 13,488,000 | 14,126,000 | 14,435,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 278,798,000 | 275,406,000 | 272,873,000 | 266,484,000 |
| Interest-bearing deposits | 240,390,000 | 236,295,000 | 231,967,000 | 226,216,000 |
| Noninterest-bearing deposits | 38,408,000 | 39,111,000 | 40,906,000 | 40,268,000 |
| Equity capital | 25,262,000 | 25,536,000 | 25,723,000 | 26,037,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 3,702,000 | 7,269,000 | 10,596,000 | 14,053,000 |
| Interest expense | 918,000 | 1,770,000 | 2,563,000 | 3,312,000 |
| Net interest income | 2,784,000 | 5,499,000 | 8,033,000 | 10,741,000 |
| Noninterest income | 85,000 | 263,000 | 776,000 | 1,246,000 |
| Noninterest expense | 2,134,000 | 4,371,000 | 6,567,000 | 8,947,000 |
| Provision for loan losses | 0 | 345,000 | 905,000 | 1,105,000 |
| Pretax income | 735,000 | 1,046,000 | 1,337,000 | 1,935,000 |
| Income tax | 230,000 | 316,000 | 399,000 | 582,000 |
| Net income | 505,000 | 730,000 | 938,000 | 1,353,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,198,000 | 24,376,000 | 25,043,000 | 25,763,000 |
| Total capital | 27,453,000 | 27,651,000 | 28,374,000 | 29,064,000 |
| Risk-weighted assets | 233,243,000 | 230,241,000 | 231,331,000 | 229,069,000 |