Call reports 2010
FLATWATER BANK — 2010
What FLATWATER BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 101,051,000 | 106,008,000 | 106,819,000 | 110,724,000 |
| Total loans | 76,147,000 | 81,569,000 | 82,030,000 | 81,422,000 |
| Allowance for loan losses | 1,206,000 | 1,221,000 | 1,217,000 | 1,304,000 |
| Securities available for sale | 6,939,000 | 7,273,000 | 7,591,000 | 11,293,000 |
| Securities held to maturity | 2,334,000 | 2,147,000 | 2,045,000 | 1,952,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 83,106,000 | 85,995,000 | 87,602,000 | 90,705,000 |
| Interest-bearing deposits | 72,766,000 | 75,990,000 | 77,030,000 | 78,763,000 |
| Noninterest-bearing deposits | 10,340,000 | 10,005,000 | 10,572,000 | 11,942,000 |
| Equity capital | 11,735,000 | 12,347,000 | 12,983,000 | 13,259,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 1,376,000 | 2,800,000 | 4,227,000 | 5,620,000 |
| Interest expense | 320,000 | 611,000 | 906,000 | 1,175,000 |
| Net interest income | 1,056,000 | 2,189,000 | 3,321,000 | 4,445,000 |
| Noninterest income | 261,000 | 525,000 | 1,259,000 | 1,678,000 |
| Noninterest expense | 719,000 | 1,504,000 | 2,761,000 | 3,701,000 |
| Provision for loan losses | 76,000 | 151,000 | 151,000 | 252,000 |
| Pretax income | 522,000 | 1,059,000 | 1,707,000 | 2,209,000 |
| Income tax | 298,000 | 312,000 | 323,000 | 332,000 |
| Net income | 224,000 | 747,000 | 1,384,000 | 1,877,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,170,000 | 11,692,000 | 12,330,000 | 12,823,000 |
| Total capital | 12,211,000 | 12,813,000 | 13,477,000 | 13,943,000 |
| Risk-weighted assets | 83,150,000 | 89,553,000 | 91,079,000 | 91,975,000 |