Call reports 2006
FLATWATER BANK — 2006
What FLATWATER BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 88,509,000 | 87,886,000 | 91,421,000 | 96,366,000 |
| Total loans | 58,333,000 | 62,804,000 | 67,064,000 | 66,602,000 |
| Allowance for loan losses | 1,272,000 | 1,254,000 | 1,231,000 | 1,179,000 |
| Securities available for sale | 10,639,000 | 10,572,000 | 10,654,000 | 11,165,000 |
| Securities held to maturity | 2,431,000 | 2,104,000 | 2,360,000 | 2,313,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 75,656,000 | 75,074,000 | 77,368,000 | 83,515,000 |
| Interest-bearing deposits | 67,898,000 | 67,792,000 | 70,162,000 | 73,779,000 |
| Noninterest-bearing deposits | 7,758,000 | 7,282,000 | 7,206,000 | 9,736,000 |
| Equity capital | 9,527,000 | 9,655,000 | 9,886,000 | 9,947,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,281,000 | 2,682,000 | 4,157,000 | 5,625,000 |
| Interest expense | 480,000 | 1,017,000 | 1,652,000 | 2,354,000 |
| Net interest income | 801,000 | 1,665,000 | 2,505,000 | 3,271,000 |
| Noninterest income | 193,000 | 404,000 | 602,000 | 814,000 |
| Noninterest expense | 609,000 | 1,246,000 | 1,839,000 | 2,511,000 |
| Provision for loan losses | 0 | 0 | 0 | 50,000 |
| Pretax income | 385,000 | 823,000 | 1,268,000 | 1,524,000 |
| Income tax | 114,000 | 246,000 | 379,000 | 446,000 |
| Net income | 271,000 | 577,000 | 889,000 | 1,078,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,277,000 | 9,433,000 | 9,595,000 | 9,634,000 |
| Total capital | 10,110,000 | 10,313,000 | 10,529,000 | 10,579,000 |
| Risk-weighted assets | 66,224,000 | 70,081,000 | 74,427,000 | 75,350,000 |