Call reports 2003
FLAT BRANCH BANK — 2003
What FLAT BRANCH BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 26,558,000 | 22,617,000 | 22,665,000 | 24,294,000 |
| Total loans | 12,529,000 | 12,802,000 | 13,744,000 | 13,298,000 |
| Allowance for loan losses | 167,000 | 184,000 | 183,000 | 186,000 |
| Securities available for sale | 10,004,000 | 8,698,000 | 6,992,000 | 6,921,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 24,211,000 | 20,223,000 | 20,477,000 | 22,097,000 |
| Interest-bearing deposits | 21,931,000 | 17,945,000 | 18,010,000 | 19,755,000 |
| Noninterest-bearing deposits | 2,280,000 | 2,278,000 | 2,467,000 | 2,342,000 |
| Equity capital | 2,195,000 | 2,277,000 | 2,115,000 | 2,113,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 358,000 | 679,000 | 994,000 | 1,294,000 |
| Interest expense | 123,000 | 227,000 | 308,000 | 390,000 |
| Net interest income | 235,000 | 452,000 | 686,000 | 904,000 |
| Noninterest income | 46,000 | 130,000 | 182,000 | 231,000 |
| Noninterest expense | 197,000 | 377,000 | 543,000 | 737,000 |
| Provision for loan losses | 3,000 | 10,000 | 15,000 | 20,000 |
| Pretax income | 77,000 | 191,000 | 306,000 | 374,000 |
| Income tax | 2,000 | 6,000 | 23,000 | 25,000 |
| Net income | 75,000 | 185,000 | 283,000 | 349,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,038,000 | 2,125,000 | 2,065,000 | 2,090,000 |
| Total capital | 2,205,000 | 2,294,000 | 2,248,000 | 2,276,000 |
| Risk-weighted assets | 14,196,000 | 13,475,000 | 14,461,000 | 14,562,000 |
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