Call reports 2008
BANK OF FLOYD — 2008
What BANK OF FLOYD reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 205,273,000 | 208,108,000 | 204,083,000 | 210,070,000 |
| Total loans | 119,438,000 | 124,878,000 | 136,084,000 | 138,581,000 |
| Allowance for loan losses | 1,576,000 | 1,440,000 | 1,500,000 | 1,508,000 |
| Securities available for sale | 24,562,000 | 25,368,000 | 27,184,000 | 26,765,000 |
| Securities held to maturity | 18,843,000 | 18,096,000 | 16,710,000 | 16,506,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 185,741,000 | 188,604,000 | 184,375,000 | 189,394,000 |
| Interest-bearing deposits | 156,401,000 | 156,656,000 | 156,360,000 | 162,051,000 |
| Noninterest-bearing deposits | 29,340,000 | 31,948,000 | 28,015,000 | 27,343,000 |
| Equity capital | 17,904,000 | 17,781,000 | 18,016,000 | 18,109,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 2,882,000 | 5,696,000 | 8,592,000 | 11,456,000 |
| Interest expense | 1,461,000 | 2,918,000 | 4,353,000 | 5,687,000 |
| Net interest income | 1,421,000 | 2,778,000 | 4,239,000 | 5,769,000 |
| Noninterest income | 137,000 | 399,000 | 489,000 | 608,000 |
| Noninterest expense | 1,189,000 | 2,359,000 | 3,427,000 | 4,636,000 |
| Provision for loan losses | 10,000 | -101,000 | -23,000 | 48,000 |
| Pretax income | 359,000 | 926,000 | 1,356,000 | 1,732,000 |
| Income tax | 26,000 | 121,000 | 170,000 | 212,000 |
| Net income | 333,000 | 805,000 | 1,186,000 | 1,520,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,105,000 | 18,132,000 | 18,513,000 | 19,247,000 |
| Total capital | 19,681,000 | 19,572,000 | 20,013,000 | 20,755,000 |
| Risk-weighted assets | 136,441,000 | 138,776,000 | 146,696,000 | 151,202,000 |