Call reports 2004
BANK OF FLOYD — 2004
What BANK OF FLOYD reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 182,953,000 | 178,671,000 | 178,841,000 | 185,320,000 |
| Total loans | 114,655,000 | 114,911,000 | 119,678,000 | 120,298,000 |
| Allowance for loan losses | 1,817,000 | 1,842,000 | 1,873,000 | 1,606,000 |
| Securities available for sale | 20,614,000 | 21,463,000 | 21,540,000 | 20,141,000 |
| Securities held to maturity | 18,083,000 | 18,969,000 | 19,110,000 | 20,001,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 163,547,000 | 159,260,000 | 156,930,000 | 164,259,000 |
| Interest-bearing deposits | 133,043,000 | 132,051,000 | 129,404,000 | 134,088,000 |
| Noninterest-bearing deposits | 30,504,000 | 27,209,000 | 27,526,000 | 30,171,000 |
| Equity capital | 16,560,000 | 16,635,000 | 17,404,000 | 17,502,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 2,237,000 | 4,816,000 | 7,230,000 | 9,646,000 |
| Interest expense | 802,000 | 1,584,000 | 2,363,000 | 3,157,000 |
| Net interest income | 1,435,000 | 3,232,000 | 4,867,000 | 6,489,000 |
| Noninterest income | 133,000 | 284,000 | 452,000 | 654,000 |
| Noninterest expense | 867,000 | 1,791,000 | 2,789,000 | 3,952,000 |
| Provision for loan losses | 0 | 25,000 | 55,000 | 55,000 |
| Pretax income | 705,000 | 1,704,000 | 2,479,000 | 3,140,000 |
| Income tax | 158,000 | 414,000 | 587,000 | 709,000 |
| Net income | 547,000 | 1,290,000 | 1,892,000 | 2,431,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,306,000 | 16,694,000 | 17,296,000 | 17,421,000 |
| Total capital | 17,815,000 | 18,221,000 | 18,869,000 | 19,002,000 |
| Risk-weighted assets | 120,399,000 | 121,818,000 | 125,527,000 | 126,474,000 |