Call reports 2002
BANK OF FLOYD — 2002
What BANK OF FLOYD reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 182,898,000 | 180,396,000 | 179,663,000 | 186,029,000 |
| Total loans | 110,468,000 | 106,863,000 | 103,295,000 | 112,558,000 |
| Allowance for loan losses | 1,407,000 | 1,503,000 | 1,588,000 | 1,744,000 |
| Securities available for sale | 25,640,000 | 25,429,000 | 27,344,000 | 27,290,000 |
| Securities held to maturity | 19,339,000 | 18,242,000 | 17,788,000 | 17,027,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 167,792,000 | 165,002,000 | 164,111,000 | 170,145,000 |
| Interest-bearing deposits | 143,004,000 | 138,583,000 | 138,377,000 | 144,379,000 |
| Noninterest-bearing deposits | 24,789,000 | 26,418,000 | 25,733,000 | 25,766,000 |
| Equity capital | 13,240,000 | 13,964,000 | 14,687,000 | 14,435,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 2,865,000 | 5,731,000 | 8,499,000 | 11,167,000 |
| Interest expense | 1,422,000 | 2,692,000 | 3,858,000 | 4,964,000 |
| Net interest income | 1,443,000 | 3,039,000 | 4,641,000 | 6,203,000 |
| Noninterest income | 165,000 | 343,000 | 469,000 | 664,000 |
| Noninterest expense | 663,000 | 1,471,000 | 2,259,000 | 3,368,000 |
| Provision for loan losses | 150,000 | 270,000 | 375,000 | 375,000 |
| Pretax income | 807,000 | 1,651,000 | 2,500,000 | 3,148,000 |
| Income tax | 200,000 | 416,000 | 631,000 | 728,000 |
| Net income | 607,000 | 1,235,000 | 1,869,000 | 2,420,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,064,000 | 13,692,000 | 14,328,000 | 14,124,000 |
| Total capital | 14,471,000 | 15,171,000 | 15,775,000 | 15,631,000 |
| Risk-weighted assets | 121,644,000 | 118,274,000 | 115,643,000 | 120,351,000 |