Call reports 2006
BANK OF FLOYD — 2006
What BANK OF FLOYD reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 183,138,000 | 182,067,000 | 182,152,000 | 200,312,000 |
| Total loans | 121,543,000 | 116,764,000 | 115,390,000 | 116,892,000 |
| Allowance for loan losses | 1,399,000 | 1,412,000 | 1,502,000 | 1,535,000 |
| Securities available for sale | 18,661,000 | 18,785,000 | 17,534,000 | 22,146,000 |
| Securities held to maturity | 17,841,000 | 17,455,000 | 17,238,000 | 17,248,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 164,899,000 | 163,884,000 | 163,087,000 | 180,526,000 |
| Interest-bearing deposits | 135,645,000 | 133,203,000 | 134,527,000 | 149,031,000 |
| Noninterest-bearing deposits | 29,254,000 | 30,681,000 | 28,560,000 | 31,495,000 |
| Equity capital | 17,028,000 | 17,128,000 | 17,910,000 | 17,092,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 2,751,000 | 5,419,000 | 8,353,000 | 11,352,000 |
| Interest expense | 969,000 | 1,956,000 | 3,003,000 | 4,317,000 |
| Net interest income | 1,782,000 | 3,463,000 | 5,350,000 | 7,035,000 |
| Noninterest income | 199,000 | 377,000 | 537,000 | 846,000 |
| Noninterest expense | 1,088,000 | 2,173,000 | 3,219,000 | 4,358,000 |
| Provision for loan losses | 0 | 0 | 100,000 | 128,000 |
| Pretax income | 895,000 | 1,670,000 | 2,571,000 | 3,398,000 |
| Income tax | 215,000 | 391,000 | 609,000 | 795,000 |
| Net income | 680,000 | 1,279,000 | 1,962,000 | 2,603,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,138,000 | 17,322,000 | 18,006,000 | 17,471,000 |
| Total capital | 18,537,000 | 18,734,000 | 19,508,000 | 19,006,000 |
| Risk-weighted assets | 130,088,000 | 125,518,000 | 126,761,000 | 132,306,000 |