Call reports 2015
FLANAGAN STATE BANK — 2015
What FLANAGAN STATE BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 168,144,000 | 167,429,000 | 169,789,000 | 175,672,000 |
| Total loans | 97,270,000 | 100,368,000 | 104,033,000 | 110,328,000 |
| Allowance for loan losses | 1,181,000 | 1,179,000 | 1,213,000 | 1,148,000 |
| Securities available for sale | 55,683,000 | 50,539,000 | 50,297,000 | 46,039,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 150,621,000 | 148,485,000 | 147,317,000 | 151,568,000 |
| Interest-bearing deposits | 124,942,000 | 124,025,000 | 123,020,000 | 124,022,000 |
| Noninterest-bearing deposits | 25,679,000 | 24,460,000 | 24,297,000 | 27,546,000 |
| Equity capital | 16,350,000 | 16,242,000 | 16,644,000 | 16,917,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,476,000 | 3,008,000 | 4,565,000 | 6,145,000 |
| Interest expense | 152,000 | 303,000 | 453,000 | 604,000 |
| Net interest income | 1,324,000 | 2,705,000 | 4,112,000 | 5,541,000 |
| Noninterest income | 1,046,000 | 2,661,000 | 4,570,000 | 6,518,000 |
| Noninterest expense | 2,014,000 | 4,403,000 | 7,141,000 | 10,073,000 |
| Provision for loan losses | 60,000 | 120,000 | 180,000 | 220,000 |
| Pretax income | 319,000 | 874,000 | 1,392,000 | 1,811,000 |
| Income tax | 18,000 | 18,000 | 18,000 | 18,000 |
| Net income | 301,000 | 856,000 | 1,374,000 | 1,793,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,589,000 | 15,945,000 | 16,212,000 | 16,382,000 |
| Total capital | 16,775,000 | 17,237,000 | 17,459,000 | 17,606,000 |
| Risk-weighted assets | 105,398,000 | 106,790,000 | 128,315,000 | 129,318,000 |