Call reports 2007
BANK OF FLOYD — 2007
What BANK OF FLOYD reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 203,784,000 | 206,031,000 | 202,000,000 | 198,980,000 |
| Total loans | 111,817,000 | 112,623,000 | 109,651,000 | 115,599,000 |
| Allowance for loan losses | 1,565,000 | 1,564,000 | 1,602,000 | 1,564,000 |
| Securities available for sale | 20,848,000 | 23,767,000 | 24,270,000 | 24,812,000 |
| Securities held to maturity | 19,020,000 | 18,363,000 | 18,426,000 | 18,990,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 184,088,000 | 186,498,000 | 181,831,000 | 178,708,000 |
| Interest-bearing deposits | 152,555,000 | 156,394,000 | 149,368,000 | 148,104,000 |
| Noninterest-bearing deposits | 31,533,000 | 30,104,000 | 32,462,000 | 30,604,000 |
| Equity capital | 17,816,000 | 17,665,000 | 18,188,000 | 17,585,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 3,026,000 | 6,136,000 | 9,304,000 | 12,341,000 |
| Interest expense | 1,433,000 | 2,941,000 | 4,458,000 | 5,891,000 |
| Net interest income | 1,593,000 | 3,195,000 | 4,846,000 | 6,450,000 |
| Noninterest income | 329,000 | 477,000 | 629,000 | 803,000 |
| Noninterest expense | 1,062,000 | 2,192,000 | 3,374,000 | 4,629,000 |
| Provision for loan losses | 20,000 | 20,000 | 20,000 | -19,000 |
| Pretax income | 840,000 | 1,460,000 | 2,081,000 | 2,699,000 |
| Income tax | 131,000 | 252,000 | 372,000 | 477,000 |
| Net income | 709,000 | 1,208,000 | 1,709,000 | 2,222,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,180,000 | 18,249,000 | 18,751,000 | 17,772,000 |
| Total capital | 19,745,000 | 19,813,000 | 20,353,000 | 19,336,000 |
| Risk-weighted assets | 129,251,000 | 132,075,000 | 128,802,000 | 132,120,000 |