Call reports 2003
FLATWATER BANK — 2003
What FLATWATER BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 82,967,000 | 81,099,000 | 80,704,000 | 83,975,000 |
| Total loans | 61,614,000 | 63,136,000 | 66,703,000 | 64,043,000 |
| Allowance for loan losses | 847,000 | 1,026,000 | 1,065,000 | 1,219,000 |
| Securities available for sale | 4,571,000 | 4,577,000 | 5,518,000 | 5,509,000 |
| Securities held to maturity | 2,859,000 | 2,965,000 | 2,660,000 | 2,423,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 71,197,000 | 69,069,000 | 68,592,000 | 72,184,000 |
| Interest-bearing deposits | 64,302,000 | 62,382,000 | 62,147,000 | 63,938,000 |
| Noninterest-bearing deposits | 6,895,000 | 6,687,000 | 6,445,000 | 8,246,000 |
| Equity capital | 7,981,000 | 8,153,000 | 8,311,000 | 8,423,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,218,000 | 2,421,000 | 3,621,000 | 4,808,000 |
| Interest expense | 411,000 | 781,000 | 1,110,000 | 1,360,000 |
| Net interest income | 807,000 | 1,640,000 | 2,511,000 | 3,448,000 |
| Noninterest income | 147,000 | 305,000 | 489,000 | 649,000 |
| Noninterest expense | 515,000 | 1,004,000 | 1,514,000 | 2,132,000 |
| Provision for loan losses | 100,000 | 200,000 | 300,000 | 450,000 |
| Pretax income | 339,000 | 741,000 | 1,186,000 | 1,515,000 |
| Income tax | 100,000 | 221,000 | 357,000 | 455,000 |
| Net income | 239,000 | 520,000 | 829,000 | 1,060,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,532,000 | 7,702,000 | 7,902,000 | 8,022,000 |
| Total capital | 8,361,000 | 8,545,000 | 8,784,000 | 8,887,000 |
| Risk-weighted assets | 66,265,000 | 67,254,000 | 70,347,000 | 68,830,000 |
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