Call reports 2025
BANK OF BOTETOURT — 2025
What BANK OF BOTETOURT reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 865,386,000 | 886,260,000 | 898,809,000 | 925,507,000 |
| Total loans | 695,178,000 | 711,047,000 | 736,835,000 | 760,479,000 |
| Allowance for loan losses | 8,321,000 | 8,350,000 | 8,523,000 | 8,374,000 |
| Securities available for sale | 69,653,000 | 67,103,000 | 67,271,000 | 69,962,000 |
| Securities held to maturity | 10,000,000 | 10,000,000 | 10,000,000 | 9,200,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 773,216,000 | 789,387,000 | 778,871,000 | 825,470,000 |
| Interest-bearing deposits | 597,773,000 | 606,852,000 | 605,724,000 | 658,516,000 |
| Noninterest-bearing deposits | 175,443,000 | 182,535,000 | 173,147,000 | 166,954,000 |
| Equity capital | 84,803,000 | 87,788,000 | 90,866,000 | 93,517,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 11,379,000 | 23,153,000 | 35,282,000 | 47,966,000 |
| Interest expense | 3,994,000 | 7,824,000 | 11,663,000 | 15,783,000 |
| Net interest income | 7,385,000 | 15,329,000 | 23,619,000 | 32,183,000 |
| Noninterest income | 1,244,000 | 2,877,000 | 4,353,000 | 5,648,000 |
| Noninterest expense | 5,702,000 | 11,276,000 | 17,137,000 | 23,281,000 |
| Provision for loan losses | 357,000 | 464,000 | 813,000 | 1,220,000 |
| Pretax income | 2,573,000 | 6,568,000 | 10,147,000 | 13,493,000 |
| Income tax | 529,000 | 1,356,000 | 2,053,000 | 2,691,000 |
| Net income | 2,044,000 | 5,212,000 | 8,094,000 | 10,802,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 88,367,000 | 91,049,000 | 93,442,000 | 95,664,000 |