Call reports 2015
FLATWATER BANK — 2015
What FLATWATER BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 145,507,000 | 144,607,000 | 142,886,000 | 144,157,000 |
| Total loans | 107,134,000 | 106,323,000 | 108,764,000 | 110,681,000 |
| Allowance for loan losses | 2,076,000 | 1,922,000 | 1,770,000 | 1,607,000 |
| Securities available for sale | 27,280,000 | 25,950,000 | 24,210,000 | 22,777,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 121,283,000 | 116,553,000 | 107,008,000 | 109,660,000 |
| Interest-bearing deposits | 100,511,000 | 99,817,000 | 89,794,000 | 91,826,000 |
| Noninterest-bearing deposits | 20,772,000 | 16,736,000 | 17,214,000 | 17,834,000 |
| Equity capital | 17,561,000 | 17,242,000 | 17,448,000 | 17,825,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,575,000 | 3,118,000 | 4,621,000 | 6,226,000 |
| Interest expense | 148,000 | 284,000 | 406,000 | 522,000 |
| Net interest income | 1,427,000 | 2,834,000 | 4,215,000 | 5,704,000 |
| Noninterest income | 301,000 | 623,000 | 1,003,000 | 1,276,000 |
| Noninterest expense | 1,020,000 | 2,071,000 | 3,132,000 | 4,213,000 |
| Provision for loan losses | 32,000 | 82,000 | 174,000 | 364,000 |
| Pretax income | 676,000 | 1,304,000 | 1,912,000 | 2,403,000 |
| Income tax | 14,000 | 27,000 | 41,000 | 55,000 |
| Net income | 662,000 | 1,277,000 | 1,871,000 | 2,348,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,697,000 | 16,513,000 | 16,706,000 | 17,183,000 |
| Total capital | 18,128,000 | 17,927,000 | 18,171,000 | 18,775,000 |
| Risk-weighted assets | 113,851,000 | 112,621,000 | 116,944,000 | 127,308,000 |