Call reports 2015
BANK OF BOTETOURT — 2015
What BANK OF BOTETOURT reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 316,951,000 | 314,139,000 | 319,899,000 | 322,579,000 |
| Total loans | 251,282,000 | 253,416,000 | 267,886,000 | 272,613,000 |
| Allowance for loan losses | 3,647,000 | 3,163,000 | 2,690,000 | 2,626,000 |
| Securities available for sale | 26,135,000 | 23,021,000 | 21,224,000 | 15,951,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 284,102,000 | 281,010,000 | 286,131,000 | 287,907,000 |
| Interest-bearing deposits | 236,199,000 | 249,642,000 | 251,307,000 | 256,393,000 |
| Noninterest-bearing deposits | 47,903,000 | 31,368,000 | 34,824,000 | 31,514,000 |
| Equity capital | 30,620,000 | 31,215,000 | 31,804,000 | 32,214,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 3,357,000 | 6,723,000 | 10,061,000 | 13,579,000 |
| Interest expense | 541,000 | 1,007,000 | 1,450,000 | 1,903,000 |
| Net interest income | 2,816,000 | 5,716,000 | 8,611,000 | 11,676,000 |
| Noninterest income | 567,000 | 1,150,000 | 1,841,000 | 2,392,000 |
| Noninterest expense | 2,353,000 | 4,794,000 | 7,308,000 | 10,062,000 |
| Provision for loan losses | 0 | 0 | 135,000 | 135,000 |
| Pretax income | 1,030,000 | 2,096,000 | 3,033,000 | 3,895,000 |
| Income tax | 344,000 | 691,000 | 982,000 | 1,238,000 |
| Net income | 686,000 | 1,405,000 | 2,051,000 | 2,657,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,888,000 | 31,491,000 | 32,021,000 | 32,509,000 |
| Total capital | 33,949,000 | 34,588,000 | 34,711,000 | 35,135,000 |
| Risk-weighted assets | 244,312,000 | 247,691,000 | 266,765,000 | 272,301,000 |