Call reports 2014
FLATWATER BANK — 2014
What FLATWATER BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 139,183,000 | 143,376,000 | 147,273,000 | 156,220,000 |
| Total loans | 99,265,000 | 106,713,000 | 111,649,000 | 116,506,000 |
| Allowance for loan losses | 1,209,000 | 1,310,000 | 1,467,000 | 2,132,000 |
| Securities available for sale | 26,151,000 | 24,972,000 | 23,883,000 | 28,382,000 |
| Securities held to maturity | 320,000 | 280,000 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 118,651,000 | 112,529,000 | 110,461,000 | 125,658,000 |
| Interest-bearing deposits | 95,924,000 | 94,050,000 | 90,432,000 | 104,113,000 |
| Noninterest-bearing deposits | 22,727,000 | 18,479,000 | 20,029,000 | 21,545,000 |
| Equity capital | 16,353,000 | 16,857,000 | 17,210,000 | 16,698,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,432,000 | 2,934,000 | 4,512,000 | 6,128,000 |
| Interest expense | 105,000 | 215,000 | 327,000 | 451,000 |
| Net interest income | 1,327,000 | 2,719,000 | 4,185,000 | 5,677,000 |
| Noninterest income | 302,000 | 672,000 | 1,128,000 | 1,477,000 |
| Noninterest expense | 1,059,000 | 2,100,000 | 3,153,000 | 4,340,000 |
| Provision for loan losses | 0 | 2,000 | 162,000 | 864,000 |
| Pretax income | 570,000 | 1,289,000 | 1,998,000 | 1,950,000 |
| Income tax | 12,000 | 24,000 | 36,000 | 54,000 |
| Net income | 558,000 | 1,265,000 | 1,962,000 | 1,896,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,697,000 | 16,104,000 | 16,501,000 | 16,035,000 |
| Total capital | 16,906,000 | 17,414,000 | 17,968,000 | 17,717,000 |
| Risk-weighted assets | 116,501,000 | 123,274,000 | 128,290,000 | 134,077,000 |