Call reports 2008
FLAT BRANCH BANK — 2008
What FLAT BRANCH BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 27,955,000 | 26,067,000 | 26,485,000 | 25,936,000 |
| Total loans | 17,075,000 | 16,773,000 | 17,160,000 | 16,932,000 |
| Allowance for loan losses | 186,000 | 176,000 | 165,000 | 165,000 |
| Securities available for sale | 7,488,000 | 7,617,000 | 7,340,000 | 6,786,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 25,341,000 | 22,729,000 | 24,065,000 | 23,361,000 |
| Interest-bearing deposits | 21,719,000 | 19,887,000 | 21,039,000 | 20,364,000 |
| Noninterest-bearing deposits | 3,622,000 | 2,842,000 | 3,026,000 | 2,997,000 |
| Equity capital | 2,441,000 | 2,248,000 | 2,264,000 | 2,409,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 434,000 | 865,000 | 1,269,000 | 1,667,000 |
| Interest expense | 179,000 | 343,000 | 492,000 | 645,000 |
| Net interest income | 255,000 | 522,000 | 777,000 | 1,022,000 |
| Noninterest income | 48,000 | 87,000 | 126,000 | 152,000 |
| Noninterest expense | 191,000 | 378,000 | 569,000 | 755,000 |
| Provision for loan losses | 2,000 | 2,000 | 3,000 | 3,000 |
| Pretax income | 110,000 | 229,000 | 331,000 | 416,000 |
| Income tax | 1,000 | 2,000 | 9,000 | 10,000 |
| Net income | 109,000 | 227,000 | 322,000 | 406,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,231,000 | 2,168,000 | 2,176,000 | 2,207,000 |
| Total capital | 2,417,000 | 2,344,000 | 2,341,000 | 2,372,000 |
| Risk-weighted assets | 15,820,000 | 15,088,000 | 15,569,000 | 15,140,000 |
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