Call reports 2021
FLATWATER BANK — 2021
What FLATWATER BANK reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 224,155,000 | 220,607,000 | 214,527,000 | 214,677,000 |
| Total loans | 129,420,000 | 130,948,000 | 129,206,000 | 129,602,000 |
| Allowance for loan losses | 2,892,000 | 3,095,000 | 3,044,000 | 2,608,000 |
| Securities available for sale | 48,068,000 | 62,498,000 | 68,680,000 | 66,659,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 194,903,000 | 191,003,000 | 185,489,000 | 185,726,000 |
| Interest-bearing deposits | 161,382,000 | 158,147,000 | 152,480,000 | 149,203,000 |
| Noninterest-bearing deposits | 33,521,000 | 32,856,000 | 33,009,000 | 36,523,000 |
| Equity capital | 27,823,000 | 28,154,000 | 27,364,000 | 27,498,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 2,545,000 | 4,780,000 | 6,687,000 | 8,712,000 |
| Interest expense | 228,000 | 426,000 | 608,000 | 779,000 |
| Net interest income | 2,317,000 | 4,354,000 | 6,079,000 | 7,933,000 |
| Noninterest income | 449,000 | 949,000 | 1,444,000 | 1,959,000 |
| Noninterest expense | 1,496,000 | 2,924,000 | 4,427,000 | 6,572,000 |
| Provision for loan losses | 187,000 | 373,000 | 380,000 | 386,000 |
| Pretax income | 1,083,000 | 2,006,000 | 2,716,000 | 2,934,000 |
| Income tax | 23,000 | 45,000 | 68,000 | 90,000 |
| Net income | 1,060,000 | 1,961,000 | 2,648,000 | 2,844,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,187,000 | 23,200,000 | 23,401,000 | 23,609,000 |