Call reports 2012
BANK OF FLOYD — 2012
What BANK OF FLOYD reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 265,203,000 | 271,885,000 | 274,742,000 | 278,280,000 |
| Total loans | 119,981,000 | 115,243,000 | 106,304,000 | 125,824,000 |
| Allowance for loan losses | 2,586,000 | 2,730,000 | 1,229,000 | 1,358,000 |
| Securities available for sale | 69,967,000 | 81,842,000 | 103,702,000 | 106,556,000 |
| Securities held to maturity | 12,829,000 | 12,824,000 | 11,650,000 | 11,380,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 240,202,000 | 246,582,000 | 249,330,000 | 254,116,000 |
| Interest-bearing deposits | 207,405,000 | 214,827,000 | 216,107,000 | 217,662,000 |
| Noninterest-bearing deposits | 32,797,000 | 31,755,000 | 33,223,000 | 36,454,000 |
| Equity capital | 24,277,000 | 24,132,000 | 23,993,000 | 22,806,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 2,243,000 | 4,404,000 | 6,574,000 | 8,793,000 |
| Interest expense | 789,000 | 1,584,000 | 2,361,000 | 3,040,000 |
| Net interest income | 1,454,000 | 2,820,000 | 4,213,000 | 5,753,000 |
| Noninterest income | 136,000 | 279,000 | 406,000 | 410,000 |
| Noninterest expense | 1,229,000 | 3,482,000 | 5,175,000 | 6,879,000 |
| Provision for loan losses | -7,000 | 3,988,000 | 4,885,000 | 5,771,000 |
| Pretax income | 384,000 | -4,355,000 | -5,425,000 | -5,920,000 |
| Income tax | 50,000 | -1,647,000 | -2,094,000 | -2,270,000 |
| Net income | 334,000 | -2,708,000 | -3,331,000 | -3,650,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,760,000 | 21,117,000 | 20,008,000 | 19,812,000 |
| Total capital | 25,571,000 | 22,817,000 | 21,237,000 | 21,170,000 |
| Risk-weighted assets | 144,086,000 | 134,975,000 | 135,584,000 | 149,793,000 |