Call reports 2003
BANK OF FLOYD — 2003
What BANK OF FLOYD reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 186,173,000 | 186,519,000 | 182,454,000 | 180,972,000 |
| Total loans | 111,026,000 | 116,512,000 | 116,268,000 | 116,276,000 |
| Allowance for loan losses | 1,745,000 | 1,705,000 | 1,685,000 | 1,672,000 |
| Securities available for sale | 27,477,000 | 23,374,000 | 21,236,000 | 20,989,000 |
| Securities held to maturity | 16,838,000 | 18,821,000 | 18,159,000 | 18,560,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 169,362,000 | 167,042,000 | 162,941,000 | 161,688,000 |
| Interest-bearing deposits | 143,713,000 | 141,556,000 | 136,396,000 | 136,291,000 |
| Noninterest-bearing deposits | 25,649,000 | 25,486,000 | 26,545,000 | 25,397,000 |
| Equity capital | 14,974,000 | 15,651,000 | 16,130,000 | 15,930,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 2,515,000 | 4,991,000 | 7,330,000 | 9,637,000 |
| Interest expense | 1,043,000 | 2,041,000 | 2,961,000 | 3,810,000 |
| Net interest income | 1,472,000 | 2,950,000 | 4,369,000 | 5,827,000 |
| Noninterest income | 155,000 | 328,000 | 535,000 | 774,000 |
| Noninterest expense | 803,000 | 1,685,000 | 2,502,000 | 3,494,000 |
| Provision for loan losses | 30,000 | 30,000 | 30,000 | 30,000 |
| Pretax income | 794,000 | 1,563,000 | 2,372,000 | 3,077,000 |
| Income tax | 189,000 | 365,000 | 549,000 | 720,000 |
| Net income | 605,000 | 1,198,000 | 1,823,000 | 2,357,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,729,000 | 15,322,000 | 15,947,000 | 15,759,000 |
| Total capital | 16,231,000 | 16,867,000 | 17,487,000 | 17,279,000 |
| Risk-weighted assets | 119,903,000 | 123,233,000 | 123,092,000 | 121,602,000 |