Call reports 2014
BANK OF FLOYD — 2014
What BANK OF FLOYD reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 269,705,000 | 264,540,000 | 268,055,000 | 275,049,000 |
| Total loans | 145,125,000 | 152,932,000 | 159,691,000 | 168,817,000 |
| Allowance for loan losses | 2,967,000 | 2,830,000 | 2,164,000 | 3,049,000 |
| Securities available for sale | 97,432,000 | 86,188,000 | 83,794,000 | 82,825,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 237,150,000 | 236,977,000 | 232,310,000 | 235,537,000 |
| Interest-bearing deposits | 198,054,000 | 197,715,000 | 192,668,000 | 195,397,000 |
| Noninterest-bearing deposits | 39,096,000 | 39,262,000 | 39,642,000 | 40,140,000 |
| Equity capital | 16,364,000 | 18,346,000 | 18,376,000 | 18,201,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 2,412,000 | 4,668,000 | 7,052,000 | 9,487,000 |
| Interest expense | 493,000 | 974,000 | 1,446,000 | 1,907,000 |
| Net interest income | 1,919,000 | 3,694,000 | 5,606,000 | 7,580,000 |
| Noninterest income | 199,000 | -81,000 | 80,000 | 272,000 |
| Noninterest expense | 2,008,000 | 4,052,000 | 6,177,000 | 8,381,000 |
| Provision for loan losses | 105,000 | -1,458,000 | -1,616,000 | -746,000 |
| Pretax income | 4,000 | 963,000 | 1,069,000 | 164,000 |
| Income tax | 0 | -2,000 | -2,000 | 0 |
| Net income | 4,000 | 965,000 | 1,071,000 | 164,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,716,000 | 19,677,000 | 19,783,000 | 18,876,000 |
| Total capital | 20,825,000 | 21,835,000 | 21,947,000 | 21,102,000 |
| Risk-weighted assets | 167,887,000 | 172,005,000 | 180,029,000 | 177,276,000 |