Call reports 2009
FLATWATER BANK — 2009
What FLATWATER BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 107,872,000 | 105,904,000 | 106,571,000 | 103,265,000 |
| Total loans | 70,316,000 | 75,828,000 | 77,308,000 | 76,908,000 |
| Allowance for loan losses | 1,070,000 | 1,069,000 | 1,019,000 | 1,145,000 |
| Securities available for sale | 13,461,000 | 11,501,000 | 10,822,000 | 7,936,000 |
| Securities held to maturity | 2,625,000 | 2,363,000 | 2,547,000 | 2,371,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 89,309,000 | 85,879,000 | 81,585,000 | 84,447,000 |
| Interest-bearing deposits | 78,446,000 | 76,580,000 | 73,105,000 | 72,698,000 |
| Noninterest-bearing deposits | 10,863,000 | 9,299,000 | 8,480,000 | 11,749,000 |
| Equity capital | 11,126,000 | 11,241,000 | 11,445,000 | 11,453,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,451,000 | 2,879,000 | 4,364,000 | 5,815,000 |
| Interest expense | 549,000 | 1,047,000 | 1,471,000 | 1,822,000 |
| Net interest income | 902,000 | 1,832,000 | 2,893,000 | 3,993,000 |
| Noninterest income | 226,000 | 425,000 | 676,000 | 957,000 |
| Noninterest expense | 685,000 | 1,448,000 | 2,217,000 | 2,940,000 |
| Provision for loan losses | 0 | 0 | 36,000 | 163,000 |
| Pretax income | 443,000 | 809,000 | 1,316,000 | 1,847,000 |
| Income tax | 132,000 | 235,000 | 385,000 | 545,000 |
| Net income | 311,000 | 574,000 | 931,000 | 1,302,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,661,000 | 10,744,000 | 10,913,000 | 10,946,000 |
| Total capital | 11,671,000 | 11,805,000 | 11,869,000 | 12,027,000 |
| Risk-weighted assets | 80,752,000 | 84,860,000 | 86,494,000 | 94,138,000 |