Call reports 2015
BANK OF FLOYD — 2015
What BANK OF FLOYD reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 277,486,000 | 267,762,000 | 262,992,000 | 259,343,000 |
| Total loans | 171,688,000 | 176,052,000 | 169,545,000 | 166,687,000 |
| Allowance for loan losses | 2,519,000 | 2,111,000 | 2,127,000 | 2,171,000 |
| Securities available for sale | 80,493,000 | 68,703,000 | 67,645,000 | 65,244,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 235,384,000 | 229,977,000 | 228,414,000 | 223,069,000 |
| Interest-bearing deposits | 195,361,000 | 191,915,000 | 188,351,000 | 182,567,000 |
| Noninterest-bearing deposits | 40,023,000 | 38,062,000 | 40,063,000 | 40,502,000 |
| Equity capital | 18,638,000 | 18,499,000 | 19,273,000 | 19,012,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 2,457,000 | 4,934,000 | 7,457,000 | 9,868,000 |
| Interest expense | 437,000 | 857,000 | 1,259,000 | 1,628,000 |
| Net interest income | 2,020,000 | 4,077,000 | 6,198,000 | 8,240,000 |
| Noninterest income | 220,000 | 334,000 | 697,000 | 1,113,000 |
| Noninterest expense | 2,140,000 | 4,447,000 | 6,754,000 | 9,033,000 |
| Provision for loan losses | 34,000 | -525,000 | -525,000 | -483,000 |
| Pretax income | 69,000 | 522,000 | 699,000 | 836,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 69,000 | 522,000 | 699,000 | 836,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,946,000 | 19,398,000 | 19,575,000 | 19,713,000 |
| Total capital | 21,257,000 | 21,509,000 | 21,702,000 | 21,884,000 |
| Risk-weighted assets | 184,643,000 | 185,795,000 | 176,935,000 | 174,067,000 |