Call reports 2011
BANK OF FINCASTLE, THE — 2011
What BANK OF FINCASTLE, THE reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 179,285,000 | 181,033,000 | 181,771,000 | 180,296,000 |
| Total loans | 141,698,000 | 142,704,000 | 139,276,000 | 143,475,000 |
| Allowance for loan losses | 1,897,000 | 1,904,000 | 1,902,000 | 1,800,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 13,289,000 | 8,127,000 | 7,838,000 | 9,531,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 153,471,000 | 155,376,000 | 155,617,000 | 154,318,000 |
| Interest-bearing deposits | 115,283,000 | 117,677,000 | 116,145,000 | 115,611,000 |
| Noninterest-bearing deposits | 38,188,000 | 37,699,000 | 39,472,000 | 38,707,000 |
| Equity capital | 24,815,000 | 24,950,000 | 25,383,000 | 25,180,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 2,069,000 | 4,027,000 | 5,969,000 | 7,917,000 |
| Interest expense | 311,000 | 620,000 | 923,000 | 1,227,000 |
| Net interest income | 1,758,000 | 3,407,000 | 5,046,000 | 6,690,000 |
| Noninterest income | 259,000 | 527,000 | 837,000 | 1,192,000 |
| Noninterest expense | 1,323,000 | 2,669,000 | 4,051,000 | 5,443,000 |
| Provision for loan losses | 90,000 | 95,000 | 97,000 | 197,000 |
| Pretax income | 604,000 | 1,170,000 | 1,735,000 | 2,242,000 |
| Income tax | 157,000 | 285,000 | 417,000 | 706,000 |
| Net income | 447,000 | 885,000 | 1,318,000 | 1,536,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,815,000 | 24,950,000 | 25,383,000 | 25,180,000 |
| Total capital | 26,712,000 | 26,854,000 | 27,285,000 | 26,980,000 |
| Risk-weighted assets | 165,647,000 | 165,102,000 | 160,898,000 | 163,760,000 |