Call reports 2014
BANK OF BOTETOURT — 2014
What BANK OF BOTETOURT reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 308,964,000 | 310,627,000 | 313,400,000 | 313,743,000 |
| Total loans | 248,200,000 | 252,352,000 | 248,187,000 | 248,944,000 |
| Allowance for loan losses | 3,933,000 | 3,774,000 | 3,703,000 | 3,665,000 |
| Securities available for sale | 23,490,000 | 22,643,000 | 23,044,000 | 24,119,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 278,384,000 | 279,549,000 | 281,721,000 | 281,772,000 |
| Interest-bearing deposits | 233,374,000 | 233,151,000 | 232,622,000 | 236,083,000 |
| Noninterest-bearing deposits | 45,010,000 | 46,398,000 | 49,099,000 | 45,689,000 |
| Equity capital | 28,798,000 | 29,320,000 | 29,897,000 | 29,996,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 3,349,000 | 6,749,000 | 10,126,000 | 13,497,000 |
| Interest expense | 638,000 | 1,264,000 | 1,884,000 | 2,477,000 |
| Net interest income | 2,711,000 | 5,485,000 | 8,242,000 | 11,020,000 |
| Noninterest income | 427,000 | 882,000 | 1,423,000 | 1,872,000 |
| Noninterest expense | 2,388,000 | 4,723,000 | 7,100,000 | 9,479,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 750,000 | 1,644,000 | 2,565,000 | 3,413,000 |
| Income tax | 246,000 | 528,000 | 816,000 | 1,023,000 |
| Net income | 504,000 | 1,116,000 | 1,749,000 | 2,390,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,608,000 | 29,162,000 | 29,736,000 | 30,320,000 |
| Total capital | 31,521,000 | 32,121,000 | 32,671,000 | 33,258,000 |
| Risk-weighted assets | 231,994,000 | 235,921,000 | 233,997,000 | 234,310,000 |