Call reports 2017
FLATWATER BANK — 2017
What FLATWATER BANK reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 140,208,000 | 141,608,000 | 144,568,000 | 151,221,000 |
| Total loans | 101,225,000 | 104,294,000 | 108,224,000 | 108,512,000 |
| Allowance for loan losses | 1,531,000 | 1,503,000 | 1,642,000 | 1,778,000 |
| Securities available for sale | 27,091,000 | 26,490,000 | 25,783,000 | 32,015,000 |
| Securities held to maturity | 1,004,000 | 1,004,000 | 1,004,000 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 117,711,000 | 118,392,000 | 119,311,000 | 125,950,000 |
| Interest-bearing deposits | 100,360,000 | 101,262,000 | 102,982,000 | 105,905,000 |
| Noninterest-bearing deposits | 17,351,000 | 17,130,000 | 16,329,000 | 20,045,000 |
| Equity capital | 18,530,000 | 19,072,000 | 19,453,000 | 19,159,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 1,562,000 | 3,191,000 | 4,856,000 | 6,568,000 |
| Interest expense | 151,000 | 324,000 | 509,000 | 705,000 |
| Net interest income | 1,411,000 | 2,867,000 | 4,347,000 | 5,863,000 |
| Noninterest income | 337,000 | 694,000 | 1,046,000 | 1,401,000 |
| Noninterest expense | 1,058,000 | 2,181,000 | 3,220,000 | 4,534,000 |
| Provision for loan losses | 40,000 | 100,000 | 160,000 | 275,000 |
| Pretax income | 650,000 | 1,280,000 | 2,013,000 | 2,374,000 |
| Income tax | 13,000 | 26,000 | 39,000 | 57,000 |
| Net income | 637,000 | 1,254,000 | 1,974,000 | 2,317,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,271,000 | 18,589,000 | 19,008,000 | 19,051,000 |
| Total capital | 19,780,000 | 20,093,000 | 20,650,000 | 20,672,000 |
| Risk-weighted assets | 120,726,000 | 124,698,000 | 133,237,000 | 129,512,000 |