Call reports 2026
FLATWATER BANK — 2026
What FLATWATER BANK reported to the FFIEC in 2026, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Total assets | 346,649,000 | 367,668,000 |
| Total loans | 256,426,000 | 275,627,000 |
| Allowance for loan losses | 3,531,000 | 3,829,000 |
| Securities available for sale | 58,893,000 | 57,326,000 |
| Securities held to maturity | 0 | 0 |
| Trading assets | 0 | 0 |
| Total deposits | 310,923,000 | 320,816,000 |
| Interest-bearing deposits | 277,860,000 | 283,836,000 |
| Noninterest-bearing deposits | 33,063,000 | 36,980,000 |
| Equity capital | 29,104,000 | 29,731,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Interest income | 4,659,000 | 9,752,000 |
| Interest expense | 2,010,000 | 3,884,000 |
| Net interest income | 2,649,000 | 5,868,000 |
| Noninterest income | 651,000 | 1,290,000 |
| Noninterest expense | 1,939,000 | 4,156,000 |
| Provision for loan losses | 454,000 | 754,000 |
| Pretax income | 907,000 | 2,248,000 |
| Income tax | 5,000 | 5,000 |
| Net income | 902,000 | 2,243,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Tier 1 capital | 31,776,000 | 32,516,000 |