Call reports 2011
BANK OF FLOYD — 2011
What BANK OF FLOYD reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 237,972,000 | 237,898,000 | 246,017,000 | 258,794,000 |
| Total loans | 138,280,000 | 135,097,000 | 134,035,000 | 124,612,000 |
| Allowance for loan losses | 2,436,000 | 2,633,000 | 2,797,000 | 2,580,000 |
| Securities available for sale | 43,717,000 | 46,187,000 | 42,830,000 | 55,692,000 |
| Securities held to maturity | 14,028,000 | 14,022,000 | 14,065,000 | 12,950,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 214,633,000 | 214,171,000 | 221,697,000 | 234,175,000 |
| Interest-bearing deposits | 184,576,000 | 184,706,000 | 189,847,000 | 200,342,000 |
| Noninterest-bearing deposits | 30,057,000 | 29,465,000 | 31,850,000 | 33,833,000 |
| Equity capital | 22,600,000 | 23,099,000 | 23,605,000 | 23,910,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 2,559,000 | 4,988,000 | 7,352,000 | 9,724,000 |
| Interest expense | 789,000 | 1,537,000 | 2,291,000 | 3,066,000 |
| Net interest income | 1,770,000 | 3,451,000 | 5,061,000 | 6,658,000 |
| Noninterest income | 65,000 | 199,000 | 323,000 | 460,000 |
| Noninterest expense | 1,284,000 | 2,558,000 | 3,820,000 | 5,092,000 |
| Provision for loan losses | 167,000 | 361,000 | 485,000 | 547,000 |
| Pretax income | 384,000 | 766,000 | 1,115,000 | 1,585,000 |
| Income tax | 68,000 | 100,000 | 142,000 | 220,000 |
| Net income | 316,000 | 666,000 | 973,000 | 1,365,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,377,000 | 22,727,000 | 23,034,000 | 23,426,000 |
| Total capital | 24,268,000 | 24,598,000 | 24,914,000 | 25,276,000 |
| Risk-weighted assets | 150,743,000 | 148,923,000 | 149,510,000 | 147,259,000 |