Call reports 2016
FLATWATER BANK — 2016
What FLATWATER BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 135,455,000 | 137,493,000 | 138,958,000 | 146,028,000 |
| Total loans | 103,304,000 | 103,017,000 | 103,016,000 | 106,731,000 |
| Allowance for loan losses | 1,652,000 | 1,708,000 | 1,452,000 | 1,487,000 |
| Securities available for sale | 22,087,000 | 24,074,000 | 23,406,000 | 28,304,000 |
| Securities held to maturity | 0 | 1,004,000 | 1,004,000 | 1,004,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 112,361,000 | 113,385,000 | 111,794,000 | 117,580,000 |
| Interest-bearing deposits | 95,818,000 | 96,463,000 | 96,654,000 | 99,834,000 |
| Noninterest-bearing deposits | 16,543,000 | 16,922,000 | 15,140,000 | 17,746,000 |
| Equity capital | 18,198,000 | 18,549,000 | 18,675,000 | 18,113,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,530,000 | 3,105,000 | 4,647,000 | 6,219,000 |
| Interest expense | 129,000 | 270,000 | 411,000 | 553,000 |
| Net interest income | 1,401,000 | 2,835,000 | 4,236,000 | 5,666,000 |
| Noninterest income | 345,000 | 623,000 | 951,000 | 1,292,000 |
| Noninterest expense | 1,051,000 | 2,171,000 | 3,287,000 | 4,444,000 |
| Provision for loan losses | 62,000 | 122,000 | 245,000 | 310,000 |
| Pretax income | 633,000 | 1,165,000 | 1,655,000 | 2,204,000 |
| Income tax | 13,000 | 26,000 | 39,000 | 53,000 |
| Net income | 620,000 | 1,139,000 | 1,616,000 | 2,151,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,403,000 | 17,622,000 | 17,799,000 | 18,035,000 |
| Total capital | 18,957,000 | 19,166,000 | 19,251,000 | 19,522,000 |
| Risk-weighted assets | 124,293,000 | 123,390,000 | 124,640,000 | 128,759,000 |