Call reports 2019
FLATWATER BANK — 2019
What FLATWATER BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 206,728,000 | 211,720,000 | 218,305,000 | 217,104,000 |
| Total loans | 144,763,000 | 148,362,000 | 146,952,000 | 150,334,000 |
| Allowance for loan losses | 2,217,000 | 2,387,000 | 2,501,000 | 2,693,000 |
| Securities available for sale | 45,744,000 | 46,079,000 | 45,610,000 | 44,006,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 172,616,000 | 173,620,000 | 179,397,000 | 176,464,000 |
| Interest-bearing deposits | 152,829,000 | 153,474,000 | 159,526,000 | 154,319,000 |
| Noninterest-bearing deposits | 19,787,000 | 20,146,000 | 19,871,000 | 22,145,000 |
| Equity capital | 21,405,000 | 22,880,000 | 24,432,000 | 24,123,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 2,505,000 | 5,134,000 | 7,816,000 | 10,478,000 |
| Interest expense | 582,000 | 1,199,000 | 1,850,000 | 2,471,000 |
| Net interest income | 1,923,000 | 3,935,000 | 5,966,000 | 8,007,000 |
| Noninterest income | 383,000 | 775,000 | 1,202,000 | 1,687,000 |
| Noninterest expense | 1,416,000 | 2,979,000 | 4,496,000 | 6,021,000 |
| Provision for loan losses | 169,000 | 338,000 | 567,000 | 906,000 |
| Pretax income | 721,000 | 1,393,000 | 2,105,000 | 2,767,000 |
| Income tax | 18,000 | 36,000 | 54,000 | 82,000 |
| Net income | 703,000 | 1,357,000 | 2,051,000 | 2,685,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,911,000 | 19,285,000 | 19,700,000 | 20,053,000 |
| Total capital | 21,012,000 | 21,448,000 | 21,853,000 | 22,260,000 |
| Risk-weighted assets | 167,977,000 | 172,803,000 | 171,941,000 | 176,056,000 |