Call reports 2001
BANK OF FLOYD — 2001
What BANK OF FLOYD reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 166,650,000 | 171,472,000 | 175,448,000 | 183,547,000 |
| Total loans | 95,321,000 | 103,746,000 | 111,369,000 | 111,412,000 |
| Allowance for loan losses | 1,147,000 | 1,123,000 | 1,167,000 | 1,277,000 |
| Securities available for sale | 29,932,000 | 29,484,000 | 27,111,000 | 23,652,000 |
| Securities held to maturity | 19,493,000 | 19,478,000 | 18,914,000 | 19,245,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 150,735,000 | 155,335,000 | 158,153,000 | 169,183,000 |
| Interest-bearing deposits | 128,489,000 | 133,845,000 | 131,265,000 | 143,382,000 |
| Noninterest-bearing deposits | 22,246,000 | 21,490,000 | 26,888,000 | 25,801,000 |
| Equity capital | 14,455,000 | 14,900,000 | 15,961,000 | 12,657,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 3,013,000 | 6,086,000 | 9,280,000 | 12,334,000 |
| Interest expense | 1,618,000 | 3,236,000 | 4,907,000 | 6,475,000 |
| Net interest income | 1,395,000 | 2,850,000 | 4,373,000 | 5,859,000 |
| Noninterest income | 128,000 | 276,000 | 562,000 | 499,000 |
| Noninterest expense | 726,000 | 1,476,000 | 2,192,000 | 3,154,000 |
| Provision for loan losses | 98,000 | 255,000 | 400,000 | 442,000 |
| Pretax income | 702,000 | 1,399,000 | 2,387,000 | 2,806,000 |
| Income tax | 139,000 | 329,000 | 584,000 | 662,000 |
| Net income | 563,000 | 1,070,000 | 1,803,000 | 2,144,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,376,000 | 14,883,000 | 15,617,000 | 12,457,000 |
| Total capital | 15,523,000 | 16,006,000 | 16,784,000 | 13,734,000 |
| Risk-weighted assets | 100,666,000 | 106,576,000 | 118,517,000 | 121,464,000 |