Call reports 2018
FLATWATER BANK — 2018
What FLATWATER BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 153,050,000 | 159,078,000 | 158,495,000 | 196,320,000 |
| Total loans | 109,692,000 | 116,992,000 | 117,996,000 | 147,706,000 |
| Allowance for loan losses | 1,869,000 | 1,997,000 | 2,152,000 | 2,251,000 |
| Securities available for sale | 31,294,000 | 30,301,000 | 29,511,000 | 29,522,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 127,862,000 | 127,407,000 | 123,336,000 | 155,458,000 |
| Interest-bearing deposits | 107,652,000 | 106,618,000 | 105,938,000 | 134,905,000 |
| Noninterest-bearing deposits | 20,210,000 | 20,789,000 | 17,398,000 | 20,553,000 |
| Equity capital | 19,012,000 | 19,304,000 | 19,676,000 | 20,212,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 1,726,000 | 3,592,000 | 5,595,000 | 7,654,000 |
| Interest expense | 214,000 | 453,000 | 736,000 | 1,111,000 |
| Net interest income | 1,512,000 | 3,139,000 | 4,859,000 | 6,543,000 |
| Noninterest income | 409,000 | 779,000 | 1,181,000 | 1,563,000 |
| Noninterest expense | 1,047,000 | 2,253,000 | 3,294,000 | 4,847,000 |
| Provision for loan losses | 90,000 | 180,000 | 330,000 | 420,000 |
| Pretax income | 784,000 | 1,485,000 | 2,416,000 | 2,839,000 |
| Income tax | 15,000 | 30,000 | 45,000 | 65,000 |
| Net income | 769,000 | 1,455,000 | 2,371,000 | 2,774,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,420,000 | 19,806,000 | 20,421,000 | 18,589,000 |
| Total capital | 21,044,000 | 21,512,000 | 22,136,000 | 20,704,000 |
| Risk-weighted assets | 129,740,000 | 136,172,000 | 136,730,000 | 169,077,000 |