Call reports 2013
BANK OF FLOYD — 2013
What BANK OF FLOYD reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 277,768,000 | 274,903,000 | 269,048,000 | 267,252,000 |
| Total loans | 137,991,000 | 139,640,000 | 136,775,000 | 145,245,000 |
| Allowance for loan losses | 1,669,000 | 1,733,000 | 1,946,000 | 2,581,000 |
| Securities available for sale | 102,080,000 | 105,316,000 | 100,982,000 | 96,912,000 |
| Securities held to maturity | 10,901,000 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 245,846,000 | 241,347,000 | 238,293,000 | 242,237,000 |
| Interest-bearing deposits | 209,173,000 | 204,812,000 | 200,353,000 | 200,914,000 |
| Noninterest-bearing deposits | 36,673,000 | 36,535,000 | 37,940,000 | 41,323,000 |
| Equity capital | 22,546,000 | 20,072,000 | 21,326,000 | 15,435,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 2,303,000 | 4,641,000 | 6,929,000 | 9,278,000 |
| Interest expense | 613,000 | 1,196,000 | 1,755,000 | 2,279,000 |
| Net interest income | 1,690,000 | 3,445,000 | 5,174,000 | 6,999,000 |
| Noninterest income | 156,000 | 265,000 | 427,000 | 387,000 |
| Noninterest expense | 1,772,000 | 3,688,000 | 5,750,000 | 8,260,000 |
| Provision for loan losses | 300,000 | 1,118,000 | 2,256,000 | 2,976,000 |
| Pretax income | 69,000 | -283,000 | -1,593,000 | -3,038,000 |
| Income tax | -64,000 | -251,000 | -257,000 | 3,501,000 |
| Net income | 133,000 | -32,000 | -1,336,000 | -6,539,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,783,000 | 19,305,000 | 20,235,000 | 19,613,000 |
| Total capital | 21,452,000 | 21,038,000 | 22,181,000 | 21,728,000 |
| Risk-weighted assets | 162,286,000 | 166,873,000 | 166,113,000 | 168,712,000 |