Call reports 2013
FLATWATER BANK — 2013
What FLATWATER BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 119,628,000 | 122,344,000 | 125,113,000 | 135,845,000 |
| Total loans | 80,049,000 | 87,758,000 | 92,712,000 | 103,523,000 |
| Allowance for loan losses | 1,315,000 | 1,350,000 | 1,321,000 | 1,279,000 |
| Securities available for sale | 21,938,000 | 22,468,000 | 21,506,000 | 20,375,000 |
| Securities held to maturity | 350,000 | 350,000 | 350,000 | 350,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 102,508,000 | 100,305,000 | 98,158,000 | 105,113,000 |
| Interest-bearing deposits | 85,818,000 | 84,274,000 | 82,746,000 | 87,403,000 |
| Noninterest-bearing deposits | 16,690,000 | 16,031,000 | 15,412,000 | 17,710,000 |
| Equity capital | 15,800,000 | 15,584,000 | 15,964,000 | 16,172,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,201,000 | 2,424,000 | 3,736,000 | 5,124,000 |
| Interest expense | 119,000 | 214,000 | 303,000 | 403,000 |
| Net interest income | 1,082,000 | 2,210,000 | 3,433,000 | 4,721,000 |
| Noninterest income | 281,000 | 592,000 | 897,000 | 1,242,000 |
| Noninterest expense | 960,000 | 1,924,000 | 2,877,000 | 3,908,000 |
| Provision for loan losses | 4,000 | 4,000 | 6,000 | 6,000 |
| Pretax income | 399,000 | 874,000 | 1,447,000 | 2,049,000 |
| Income tax | 13,000 | 25,000 | 36,000 | 48,000 |
| Net income | 386,000 | 849,000 | 1,411,000 | 2,001,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,824,000 | 14,987,000 | 15,249,000 | 15,540,000 |
| Total capital | 15,977,000 | 16,228,000 | 16,570,000 | 16,819,000 |
| Risk-weighted assets | 92,062,000 | 99,188,000 | 108,378,000 | 119,516,000 |