Call reports 2005
BANK OF FLOYD — 2005
What BANK OF FLOYD reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 181,561,000 | 185,461,000 | 186,402,000 | 189,081,000 |
| Total loans | 124,106,000 | 122,781,000 | 126,730,000 | 123,961,000 |
| Allowance for loan losses | 1,610,000 | 1,660,000 | 1,412,000 | 1,402,000 |
| Securities available for sale | 19,766,000 | 18,959,000 | 15,734,000 | 18,321,000 |
| Securities held to maturity | 18,985,000 | 18,639,000 | 18,468,000 | 17,470,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 160,440,000 | 166,467,000 | 167,345,000 | 171,532,000 |
| Interest-bearing deposits | 130,900,000 | 139,092,000 | 137,652,000 | 141,143,000 |
| Noninterest-bearing deposits | 29,540,000 | 27,375,000 | 29,693,000 | 30,389,000 |
| Equity capital | 17,945,000 | 17,242,000 | 17,719,000 | 16,368,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 2,418,000 | 4,986,000 | 7,614,000 | 10,330,000 |
| Interest expense | 787,000 | 1,641,000 | 2,569,000 | 3,525,000 |
| Net interest income | 1,631,000 | 3,345,000 | 5,045,000 | 6,805,000 |
| Noninterest income | 143,000 | 293,000 | 465,000 | 674,000 |
| Noninterest expense | 1,050,000 | 2,086,000 | 3,261,000 | 4,432,000 |
| Provision for loan losses | 24,000 | 36,000 | 48,000 | 48,000 |
| Pretax income | 703,000 | 1,525,000 | 2,210,000 | 3,008,000 |
| Income tax | 150,000 | 340,000 | 482,000 | 657,000 |
| Net income | 553,000 | 1,185,000 | 1,728,000 | 2,351,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,975,000 | 17,223,000 | 17,765,000 | 16,459,000 |
| Total capital | 19,585,000 | 18,846,000 | 19,177,000 | 17,861,000 |
| Risk-weighted assets | 128,780,000 | 129,787,000 | 133,977,000 | 132,576,000 |