Call reports 2016
BANK OF BOTETOURT — 2016
What BANK OF BOTETOURT reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 345,175,000 | 344,795,000 | 353,022,000 | 347,191,000 |
| Total loans | 282,897,000 | 287,911,000 | 290,022,000 | 292,453,000 |
| Allowance for loan losses | 2,750,000 | 2,871,000 | 2,741,000 | 2,903,000 |
| Securities available for sale | 16,315,000 | 16,409,000 | 16,358,000 | 18,178,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 310,050,000 | 309,215,000 | 316,738,000 | 310,719,000 |
| Interest-bearing deposits | 276,987,000 | 274,000,000 | 277,590,000 | 276,814,000 |
| Noninterest-bearing deposits | 33,063,000 | 35,215,000 | 39,148,000 | 33,905,000 |
| Equity capital | 32,628,000 | 33,120,000 | 33,625,000 | 33,727,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 3,601,000 | 7,270,000 | 10,999,000 | 14,711,000 |
| Interest expense | 494,000 | 1,056,000 | 1,614,000 | 2,156,000 |
| Net interest income | 3,107,000 | 6,214,000 | 9,385,000 | 12,555,000 |
| Noninterest income | 722,000 | 1,846,000 | 2,638,000 | 3,418,000 |
| Noninterest expense | 2,832,000 | 5,873,000 | 8,630,000 | 11,714,000 |
| Provision for loan losses | 255,000 | 545,000 | 745,000 | 975,000 |
| Pretax income | 742,000 | 1,642,000 | 2,648,000 | 3,284,000 |
| Income tax | 242,000 | 537,000 | 868,000 | 1,039,000 |
| Net income | 500,000 | 1,105,000 | 1,780,000 | 2,245,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,868,000 | 33,333,000 | 33,870,000 | 34,196,000 |
| Total capital | 35,618,000 | 36,204,000 | 36,611,000 | 37,099,000 |
| Risk-weighted assets | 282,910,000 | 284,107,000 | 282,115,000 | 286,911,000 |