Call reports 2002
FLATWATER BANK — 2002
What FLATWATER BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 80,708,000 | 82,907,000 | 83,496,000 | 84,896,000 |
| Total loans | 68,459,000 | 69,944,000 | 63,964,000 | 64,708,000 |
| Allowance for loan losses | 1,064,000 | 1,241,000 | 957,000 | 748,000 |
| Securities available for sale | 4,780,000 | 4,343,000 | 4,381,000 | 4,877,000 |
| Securities held to maturity | 2,822,000 | 2,818,000 | 2,816,000 | 2,863,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 70,691,000 | 72,151,000 | 72,790,000 | 73,101,000 |
| Interest-bearing deposits | 64,384,000 | 65,632,000 | 64,940,000 | 65,106,000 |
| Noninterest-bearing deposits | 6,307,000 | 6,519,000 | 7,850,000 | 7,995,000 |
| Equity capital | 7,770,000 | 7,901,000 | 7,915,000 | 7,858,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 1,265,000 | 2,572,000 | 3,886,000 | 5,186,000 |
| Interest expense | 518,000 | 1,035,000 | 1,560,000 | 2,044,000 |
| Net interest income | 747,000 | 1,537,000 | 2,326,000 | 3,142,000 |
| Noninterest income | 124,000 | 271,000 | 426,000 | 589,000 |
| Noninterest expense | 495,000 | 993,000 | 1,544,000 | 2,068,000 |
| Provision for loan losses | 150,000 | 300,000 | 550,000 | 950,000 |
| Pretax income | 226,000 | 515,000 | 658,000 | 713,000 |
| Income tax | 73,000 | 167,000 | 217,000 | 214,000 |
| Net income | 153,000 | 348,000 | 441,000 | 499,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,380,000 | 7,479,000 | 7,477,000 | 7,403,000 |
| Total capital | 8,283,000 | 8,399,000 | 8,338,000 | 8,151,000 |
| Risk-weighted assets | 72,042,000 | 73,279,000 | 68,808,000 | 69,828,000 |
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