Call reports 2007
FLAT BRANCH BANK — 2007
What FLAT BRANCH BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 25,123,000 | 26,690,000 | 27,638,000 | 27,636,000 |
| Total loans | 16,436,000 | 17,275,000 | 17,788,000 | 17,904,000 |
| Allowance for loan losses | 184,000 | 184,000 | 184,000 | 184,000 |
| Securities available for sale | 7,293,000 | 7,702,000 | 7,460,000 | 7,252,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 22,694,000 | 24,169,000 | 24,897,000 | 24,901,000 |
| Interest-bearing deposits | 19,607,000 | 21,118,000 | 21,966,000 | 21,631,000 |
| Noninterest-bearing deposits | 3,087,000 | 3,051,000 | 2,931,000 | 3,270,000 |
| Equity capital | 2,274,000 | 2,342,000 | 2,493,000 | 2,522,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 394,000 | 804,000 | 1,250,000 | 1,698,000 |
| Interest expense | 150,000 | 317,000 | 515,000 | 720,000 |
| Net interest income | 244,000 | 487,000 | 735,000 | 978,000 |
| Noninterest income | 46,000 | 91,000 | 132,000 | 178,000 |
| Noninterest expense | 188,000 | 376,000 | 576,000 | 752,000 |
| Provision for loan losses | 0 | 0 | 0 | 1,000 |
| Pretax income | 102,000 | 202,000 | 291,000 | 403,000 |
| Income tax | 4,000 | -4,000 | -3,000 | -2,000 |
| Net income | 98,000 | 206,000 | 294,000 | 405,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,290,000 | 2,397,000 | 2,462,000 | 2,432,000 |
| Total capital | 2,476,000 | 2,581,000 | 2,646,000 | 2,616,000 |
| Risk-weighted assets | 14,888,000 | 15,953,000 | 16,516,000 | 16,409,000 |
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