Call reports 2005
FLAT BRANCH BANK — 2005
What FLAT BRANCH 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 | 24,960,000 | 24,383,000 | 24,536,000 | 23,261,000 |
| Total loans | 14,000,000 | 14,688,000 | 15,048,000 | 15,810,000 |
| Allowance for loan losses | 198,000 | 213,000 | 214,000 | 216,000 |
| Securities available for sale | 8,720,000 | 8,785,000 | 7,917,000 | 6,671,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 22,748,000 | 20,739,000 | 20,692,000 | 19,932,000 |
| Interest-bearing deposits | 20,190,000 | 18,013,000 | 17,870,000 | 17,228,000 |
| Noninterest-bearing deposits | 2,558,000 | 2,726,000 | 2,822,000 | 2,704,000 |
| Equity capital | 2,119,000 | 2,224,000 | 2,241,000 | 2,205,000 |
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 | 307,000 | 616,000 | 952,000 | 1,273,000 |
| Interest expense | 89,000 | 174,000 | 278,000 | 384,000 |
| Net interest income | 218,000 | 442,000 | 674,000 | 889,000 |
| Noninterest income | 26,000 | 73,000 | 116,000 | 161,000 |
| Noninterest expense | 175,000 | 367,000 | 558,000 | 731,000 |
| Provision for loan losses | 31,000 | 33,000 | 34,000 | 35,000 |
| Pretax income | 38,000 | 115,000 | 198,000 | 284,000 |
| Income tax | 1,000 | -2,000 | 1,000 | 4,000 |
| Net income | 37,000 | 117,000 | 197,000 | 280,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,260,000 | 2,303,000 | 2,341,000 | 2,309,000 |
| Total capital | 2,442,000 | 2,488,000 | 2,526,000 | 2,495,000 |
| Risk-weighted assets | 14,554,000 | 14,807,000 | 14,770,000 | 14,832,000 |
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