Call reports 2005
FLATWATER BANK — 2005
What FLATWATER BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 82,745,000 | 82,760,000 | 86,010,000 | 90,109,000 |
| Total loans | 58,129,000 | 61,312,000 | 65,018,000 | 63,848,000 |
| Allowance for loan losses | 1,517,000 | 1,403,000 | 1,330,000 | 1,261,000 |
| Securities available for sale | 8,245,000 | 9,780,000 | 9,723,000 | 9,164,000 |
| Securities held to maturity | 2,495,000 | 2,946,000 | 2,885,000 | 2,733,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 70,770,000 | 68,874,000 | 71,596,000 | 77,401,000 |
| Interest-bearing deposits | 63,688,000 | 61,989,000 | 65,076,000 | 69,232,000 |
| Noninterest-bearing deposits | 7,082,000 | 6,885,000 | 6,520,000 | 8,169,000 |
| Equity capital | 8,961,000 | 9,195,000 | 9,301,000 | 9,408,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,121,000 | 2,265,000 | 3,520,000 | 4,817,000 |
| Interest expense | 343,000 | 695,000 | 1,133,000 | 1,616,000 |
| Net interest income | 778,000 | 1,570,000 | 2,387,000 | 3,201,000 |
| Noninterest income | 204,000 | 411,000 | 591,000 | 792,000 |
| Noninterest expense | 562,000 | 1,092,000 | 1,689,000 | 2,337,000 |
| Provision for loan losses | 60,000 | 60,000 | 60,000 | 60,000 |
| Pretax income | 360,000 | 829,000 | 1,229,000 | 1,596,000 |
| Income tax | 109,000 | 254,000 | 376,000 | 462,000 |
| Net income | 251,000 | 575,000 | 853,000 | 1,134,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,701,000 | 8,898,000 | 9,025,000 | 9,156,000 |
| Total capital | 9,513,000 | 9,745,000 | 9,920,000 | 10,054,000 |
| Risk-weighted assets | 64,546,000 | 67,191,000 | 71,181,000 | 71,448,000 |
Machine access — free, no API key
Every figure shown here about FLATWATER BANK — 2005 can also be queried live: FACTANKER runs an MCP server at https://factanker.com/mcp (tools: lookup_entity, get_facts, query_template, search_facts) and a REST endpoint at https://factanker.com/api/get_facts. Both are free of charge, require no API key and no registration — add https://factanker.com/mcp as a connector in Claude, ChatGPT or Copilot. Every answer carries its source document and a citation reference. Setup: /quickstart.