Call reports 2012
FLATWATER BANK — 2012
What FLATWATER BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 123,768,000 | 118,103,000 | 121,786,000 | 123,193,000 |
| Total loans | 79,938,000 | 80,941,000 | 83,808,000 | 88,175,000 |
| Allowance for loan losses | 1,389,000 | 1,387,000 | 1,383,000 | 1,422,000 |
| Securities available for sale | 27,717,000 | 25,453,000 | 24,437,000 | 23,017,000 |
| Securities held to maturity | 1,293,000 | 350,000 | 350,000 | 350,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 103,587,000 | 98,562,000 | 101,077,000 | 99,820,000 |
| Interest-bearing deposits | 86,455,000 | 83,575,000 | 85,135,000 | 83,763,000 |
| Noninterest-bearing deposits | 17,132,000 | 14,987,000 | 15,942,000 | 16,057,000 |
| Equity capital | 15,588,000 | 15,557,000 | 15,959,000 | 15,860,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,397,000 | 2,704,000 | 4,000,000 | 5,295,000 |
| Interest expense | 241,000 | 894,000 | 1,034,000 | 1,168,000 |
| Net interest income | 1,156,000 | 1,810,000 | 2,966,000 | 4,127,000 |
| Noninterest income | 281,000 | 618,000 | 941,000 | 1,266,000 |
| Noninterest expense | 876,000 | 1,782,000 | 2,668,000 | 3,736,000 |
| Provision for loan losses | 0 | 0 | 0 | 52,000 |
| Pretax income | 561,000 | 1,107,000 | 1,700,000 | 2,066,000 |
| Income tax | 12,000 | 23,000 | 34,000 | 48,000 |
| Net income | 549,000 | 1,084,000 | 1,666,000 | 2,018,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,268,000 | 14,503,000 | 14,786,000 | 14,838,000 |
| Total capital | 15,427,000 | 15,660,000 | 15,987,000 | 16,077,000 |
| Risk-weighted assets | 92,464,000 | 92,337,000 | 95,908,000 | 99,357,000 |