Call reports 2009
BANK OF FLOYD — 2009
What BANK OF FLOYD reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 222,880,000 | 221,233,000 | 223,802,000 | 229,906,000 |
| Total loans | 135,724,000 | 137,378,000 | 147,389,000 | 142,541,000 |
| Allowance for loan losses | 1,467,000 | 1,561,000 | 1,818,000 | 2,328,000 |
| Securities available for sale | 26,495,000 | 23,313,000 | 25,999,000 | 34,614,000 |
| Securities held to maturity | 16,645,000 | 15,244,000 | 15,301,000 | 15,864,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 201,731,000 | 199,804,000 | 202,512,000 | 209,424,000 |
| Interest-bearing deposits | 173,478,000 | 171,257,000 | 174,377,000 | 180,926,000 |
| Noninterest-bearing deposits | 28,253,000 | 28,547,000 | 28,135,000 | 28,498,000 |
| Equity capital | 18,382,000 | 18,676,000 | 18,963,000 | 19,979,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 2,543,000 | 5,087,000 | 7,709,000 | 10,400,000 |
| Interest expense | 1,298,000 | 2,576,000 | 3,828,000 | 5,038,000 |
| Net interest income | 1,245,000 | 2,511,000 | 3,881,000 | 5,362,000 |
| Noninterest income | 117,000 | 252,000 | 390,000 | 527,000 |
| Noninterest expense | 1,263,000 | 2,593,000 | 3,856,000 | 4,558,000 |
| Provision for loan losses | 40,000 | 130,000 | 386,000 | 1,036,000 |
| Pretax income | 59,000 | 63,000 | 79,000 | 345,000 |
| Income tax | -73,000 | -167,000 | -254,000 | -248,000 |
| Net income | 132,000 | 230,000 | 333,000 | 593,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,679,000 | 19,777,000 | 19,880,000 | 20,139,000 |
| Total capital | 21,146,000 | 21,338,000 | 21,698,000 | 22,094,000 |
| Risk-weighted assets | 151,929,000 | 150,953,000 | 157,290,000 | 156,036,000 |