Call reports 2004
FLATWATER BANK — 2004
What FLATWATER BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 81,892,000 | 79,408,000 | 80,138,000 | 83,791,000 |
| Total loans | 59,639,000 | 62,468,000 | 65,334,000 | 63,013,000 |
| Allowance for loan losses | 1,299,000 | 1,314,000 | 1,385,000 | 1,455,000 |
| Securities available for sale | 6,046,000 | 7,397,000 | 7,443,000 | 9,258,000 |
| Securities held to maturity | 2,420,000 | 2,414,000 | 2,102,000 | 1,996,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 69,881,000 | 67,556,000 | 65,523,000 | 71,965,000 |
| Interest-bearing deposits | 62,285,000 | 60,151,000 | 59,152,000 | 64,010,000 |
| Noninterest-bearing deposits | 7,596,000 | 7,405,000 | 6,371,000 | 7,955,000 |
| Equity capital | 8,601,000 | 8,671,000 | 8,867,000 | 8,889,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,107,000 | 2,186,000 | 3,344,000 | 4,524,000 |
| Interest expense | 285,000 | 558,000 | 848,000 | 1,187,000 |
| Net interest income | 822,000 | 1,628,000 | 2,496,000 | 3,337,000 |
| Noninterest income | 189,000 | 361,000 | 524,000 | 697,000 |
| Noninterest expense | 509,000 | 1,060,000 | 1,595,000 | 2,258,000 |
| Provision for loan losses | 100,000 | 135,000 | 240,000 | 335,000 |
| Pretax income | 402,000 | 794,000 | 1,185,000 | 1,441,000 |
| Income tax | 128,000 | 249,000 | 368,000 | 441,000 |
| Net income | 274,000 | 545,000 | 817,000 | 1,000,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,204,000 | 8,355,000 | 8,506,000 | 8,570,000 |
| Total capital | 9,014,000 | 9,188,000 | 9,375,000 | 9,425,000 |
| Risk-weighted assets | 64,290,000 | 66,130,000 | 68,977,000 | 67,849,000 |
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