Call reports 2010
BANK OF FLOYD — 2010
What BANK OF FLOYD reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 231,723,000 | 234,183,000 | 240,123,000 | 240,118,000 |
| Total loans | 143,233,000 | 141,830,000 | 144,060,000 | 142,061,000 |
| Allowance for loan losses | 2,688,000 | 2,581,000 | 2,430,000 | 2,731,000 |
| Securities available for sale | 35,671,000 | 38,804,000 | 37,440,000 | 40,375,000 |
| Securities held to maturity | 14,289,000 | 14,860,000 | 14,408,000 | 14,698,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 210,954,000 | 212,910,000 | 218,553,000 | 217,694,000 |
| Interest-bearing deposits | 180,451,000 | 182,998,000 | 188,150,000 | 188,789,000 |
| Noninterest-bearing deposits | 30,503,000 | 29,912,000 | 30,403,000 | 28,905,000 |
| Equity capital | 20,243,000 | 20,954,000 | 21,133,000 | 22,223,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 2,598,000 | 5,175,000 | 7,781,000 | 10,402,000 |
| Interest expense | 1,133,000 | 2,242,000 | 3,351,000 | 4,395,000 |
| Net interest income | 1,465,000 | 2,933,000 | 4,430,000 | 6,007,000 |
| Noninterest income | 124,000 | 253,000 | 384,000 | 517,000 |
| Noninterest expense | 1,180,000 | 2,448,000 | 3,794,000 | 5,075,000 |
| Provision for loan losses | 380,000 | 271,000 | 361,000 | 661,000 |
| Pretax income | 33,000 | 564,000 | 756,000 | 886,000 |
| Income tax | -77,000 | 15,000 | 1,000 | -35,000 |
| Net income | 110,000 | 549,000 | 755,000 | 921,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,249,000 | 20,688,000 | 20,894,000 | 22,061,000 |
| Total capital | 22,200,000 | 22,614,000 | 22,862,000 | 24,010,000 |
| Risk-weighted assets | 155,371,000 | 153,430,000 | 156,941,000 | 155,168,000 |