Call reports 2025
FLATWATER BANK — 2025
What FLATWATER BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 299,677,000 | 321,128,000 | 333,949,000 | 341,831,000 |
| Total loans | 227,289,000 | 248,540,000 | 262,020,000 | 260,124,000 |
| Allowance for loan losses | 3,046,000 | 3,368,000 | 3,668,000 | 3,105,000 |
| Securities available for sale | 50,802,000 | 51,166,000 | 50,529,000 | 59,759,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 270,518,000 | 265,171,000 | 278,244,000 | 294,992,000 |
| Interest-bearing deposits | 239,540,000 | 234,954,000 | 247,917,000 | 264,104,000 |
| Noninterest-bearing deposits | 30,978,000 | 30,217,000 | 30,327,000 | 30,888,000 |
| Equity capital | 25,912,000 | 27,411,000 | 29,038,000 | 29,240,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 4,387,000 | 9,018,000 | 14,089,000 | 19,104,000 |
| Interest expense | 1,869,000 | 3,678,000 | 5,719,000 | 7,779,000 |
| Net interest income | 2,518,000 | 5,340,000 | 8,370,000 | 11,325,000 |
| Noninterest income | 612,000 | 1,239,000 | 1,915,000 | 2,552,000 |
| Noninterest expense | 1,711,000 | 3,519,000 | 5,482,000 | 7,613,000 |
| Provision for loan losses | 108,000 | 217,000 | 555,000 | 1,490,000 |
| Pretax income | 1,311,000 | 2,843,000 | 4,248,000 | 4,774,000 |
| Income tax | 21,000 | 43,000 | 11,000 | 3,000 |
| Net income | 1,290,000 | 2,800,000 | 4,237,000 | 4,771,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,765,000 | 30,677,000 | 31,518,000 | 31,473,000 |