Call reports 2011
FLATWATER BANK — 2011
What FLATWATER BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 114,924,000 | 115,245,000 | 124,181,000 | 124,217,000 |
| Total loans | 77,143,000 | 82,005,000 | 91,057,000 | 90,088,000 |
| Allowance for loan losses | 1,287,000 | 1,294,000 | 1,294,000 | 1,400,000 |
| Securities available for sale | 17,629,000 | 18,583,000 | 18,671,000 | 18,581,000 |
| Securities held to maturity | 1,886,000 | 1,783,000 | 1,626,000 | 1,300,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 94,556,000 | 91,362,000 | 91,972,000 | 98,924,000 |
| Interest-bearing deposits | 81,188,000 | 78,581,000 | 78,911,000 | 83,959,000 |
| Noninterest-bearing deposits | 13,368,000 | 12,781,000 | 13,061,000 | 14,965,000 |
| Equity capital | 13,453,000 | 14,326,000 | 15,041,000 | 15,137,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 1,366,000 | 2,757,000 | 4,233,000 | 5,750,000 |
| Interest expense | 253,000 | 505,000 | 742,000 | 969,000 |
| Net interest income | 1,113,000 | 2,252,000 | 3,491,000 | 4,781,000 |
| Noninterest income | 496,000 | 969,000 | 1,266,000 | 1,684,000 |
| Noninterest expense | 1,086,000 | 2,102,000 | 3,006,000 | 4,127,000 |
| Provision for loan losses | 0 | 0 | 0 | 100,000 |
| Pretax income | 567,000 | 1,170,000 | 1,803,000 | 2,290,000 |
| Income tax | 10,000 | 20,000 | 30,000 | 44,000 |
| Net income | 557,000 | 1,150,000 | 1,773,000 | 2,246,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,980,000 | 13,323,000 | 13,696,000 | 13,819,000 |
| Total capital | 14,098,000 | 14,484,000 | 14,972,000 | 15,090,000 |
| Risk-weighted assets | 88,532,000 | 92,764,000 | 102,066,000 | 101,518,000 |