Call reports 2013
BANK OF BOTETOURT — 2013
What BANK OF BOTETOURT reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 298,972,000 | 300,296,000 | 307,934,000 | 307,085,000 |
| Total loans | 235,426,000 | 241,307,000 | 240,969,000 | 244,095,000 |
| Allowance for loan losses | 4,528,000 | 4,206,000 | 4,037,000 | 3,942,000 |
| Securities available for sale | 16,214,000 | 17,307,000 | 19,581,000 | 22,211,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 269,759,000 | 270,769,000 | 278,082,000 | 277,087,000 |
| Interest-bearing deposits | 228,150,000 | 229,902,000 | 234,012,000 | 232,287,000 |
| Noninterest-bearing deposits | 41,609,000 | 40,867,000 | 44,070,000 | 44,800,000 |
| Equity capital | 26,459,000 | 26,660,000 | 27,260,000 | 28,245,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 3,330,000 | 6,697,000 | 10,072,000 | 13,414,000 |
| Interest expense | 704,000 | 1,398,000 | 2,102,000 | 2,782,000 |
| Net interest income | 2,626,000 | 5,299,000 | 7,970,000 | 10,632,000 |
| Noninterest income | 355,000 | 770,000 | 1,334,000 | 1,775,000 |
| Noninterest expense | 2,324,000 | 4,681,000 | 7,044,000 | 9,517,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 657,000 | 1,388,000 | 2,260,000 | 2,890,000 |
| Income tax | 207,000 | 440,000 | 724,000 | 912,000 |
| Net income | 450,000 | 948,000 | 1,536,000 | 1,978,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,096,000 | 26,644,000 | 27,615,000 | 28,163,000 |
| Total capital | 29,312,000 | 29,911,000 | 30,822,000 | 31,043,000 |
| Risk-weighted assets | 222,746,000 | 227,191,000 | 225,315,000 | 229,364,000 |