Call reports 2004
FLAT BRANCH BANK — 2004
What FLAT BRANCH BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 25,749,000 | 25,096,000 | 25,103,000 | 25,164,000 |
| Total loans | 13,179,000 | 13,857,000 | 14,590,000 | 14,445,000 |
| Allowance for loan losses | 188,000 | 197,000 | 200,000 | 179,000 |
| Securities available for sale | 10,337,000 | 9,652,000 | 9,223,000 | 8,689,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 23,468,000 | 22,939,000 | 21,246,000 | 22,903,000 |
| Interest-bearing deposits | 20,536,000 | 20,158,000 | 19,250,000 | 20,475,000 |
| Noninterest-bearing deposits | 2,932,000 | 2,781,000 | 1,996,000 | 2,428,000 |
| Equity capital | 2,190,000 | 2,056,000 | 2,186,000 | 2,173,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 295,000 | 612,000 | 922,000 | 1,252,000 |
| Interest expense | 88,000 | 174,000 | 261,000 | 351,000 |
| Net interest income | 207,000 | 438,000 | 661,000 | 901,000 |
| Noninterest income | 47,000 | 104,000 | 166,000 | 194,000 |
| Noninterest expense | 176,000 | 379,000 | 553,000 | 752,000 |
| Provision for loan losses | 6,000 | 16,000 | 29,000 | 44,000 |
| Pretax income | 72,000 | 147,000 | 245,000 | 299,000 |
| Income tax | 2,000 | 6,000 | 9,000 | 10,000 |
| Net income | 70,000 | 141,000 | 236,000 | 289,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,101,000 | 2,175,000 | 2,233,000 | 2,261,000 |
| Total capital | 2,289,000 | 2,356,000 | 2,419,000 | 2,440,000 |
| Risk-weighted assets | 14,313,000 | 14,496,000 | 14,935,000 | 15,230,000 |
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