Call reports 2022
FLATWATER BANK — 2022
What FLATWATER BANK reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 221,281,000 | 210,996,000 | 218,315,000 | 231,397,000 |
| Total loans | 124,984,000 | 133,006,000 | 150,668,000 | 162,369,000 |
| Allowance for loan losses | 2,672,000 | 2,692,000 | 2,707,000 | 2,697,000 |
| Securities available for sale | 63,241,000 | 59,443,000 | 48,612,000 | 50,473,000 |
| Securities held to maturity | 1,774,000 | 1,781,000 | 1,787,000 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 196,841,000 | 188,702,000 | 182,328,000 | 187,846,000 |
| Interest-bearing deposits | 157,171,000 | 150,561,000 | 144,680,000 | 149,286,000 |
| Noninterest-bearing deposits | 39,670,000 | 38,141,000 | 37,648,000 | 38,560,000 |
| Equity capital | 22,969,000 | 20,614,000 | 18,644,000 | 19,804,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 1,898,000 | 3,995,000 | 6,385,000 | 9,068,000 |
| Interest expense | 162,000 | 329,000 | 542,000 | 1,020,000 |
| Net interest income | 1,736,000 | 3,666,000 | 5,843,000 | 8,048,000 |
| Noninterest income | 578,000 | 1,062,000 | 1,552,000 | 2,019,000 |
| Noninterest expense | 1,550,000 | 3,094,000 | 4,693,000 | 6,332,000 |
| Provision for loan losses | 14,000 | 19,000 | 23,000 | 27,000 |
| Pretax income | 750,000 | 1,615,000 | 2,528,000 | 3,557,000 |
| Income tax | 25,000 | 47,000 | 70,000 | 88,000 |
| Net income | 725,000 | 1,568,000 | 2,458,000 | 3,469,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,845,000 | 24,198,000 | 24,597,000 | 25,118,000 |