Call reports 2005
FLANAGAN STATE BANK — 2005
What FLANAGAN STATE BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 89,803,000 | 89,020,000 | 90,974,000 | 92,113,000 |
| Total loans | 60,976,000 | 64,838,000 | 67,379,000 | 67,350,000 |
| Allowance for loan losses | 549,000 | 546,000 | 548,000 | 529,000 |
| Securities available for sale | 18,240,000 | 17,233,000 | 15,570,000 | 16,763,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 76,180,000 | 77,079,000 | 79,192,000 | 80,310,000 |
| Interest-bearing deposits | 68,254,000 | 68,540,000 | 71,601,000 | 71,117,000 |
| Noninterest-bearing deposits | 7,926,000 | 8,539,000 | 7,591,000 | 9,193,000 |
| Equity capital | 8,142,000 | 8,374,000 | 8,255,000 | 8,284,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,098,000 | 2,280,000 | 3,509,000 | 4,787,000 |
| Interest expense | 379,000 | 809,000 | 1,288,000 | 1,797,000 |
| Net interest income | 719,000 | 1,471,000 | 2,221,000 | 2,990,000 |
| Noninterest income | 199,000 | 437,000 | 716,000 | 985,000 |
| Noninterest expense | 680,000 | 1,378,000 | 2,267,000 | 2,970,000 |
| Provision for loan losses | 30,000 | 30,000 | 30,000 | 41,000 |
| Pretax income | 208,000 | 490,000 | 631,000 | 955,000 |
| Income tax | -127,000 | -133,000 | -133,000 | -133,000 |
| Net income | 335,000 | 623,000 | 764,000 | 1,088,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,205,000 | 8,343,000 | 8,328,000 | 8,501,000 |
| Total capital | 8,754,000 | 8,889,000 | 8,876,000 | 9,030,000 |
| Risk-weighted assets | 66,146,000 | 70,299,000 | 73,771,000 | 73,962,000 |
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