Call reports 2009
FLAT BRANCH BANK — 2009
What FLAT BRANCH BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 26,737,000 | 25,367,000 | 25,717,000 | 26,825,000 |
| Total loans | 17,409,000 | 17,139,000 | 17,104,000 | 17,204,000 |
| Allowance for loan losses | 169,000 | 175,000 | 181,000 | 188,000 |
| Securities available for sale | 6,611,000 | 7,029,000 | 7,303,000 | 7,917,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 24,151,000 | 22,735,000 | 23,272,000 | 24,451,000 |
| Interest-bearing deposits | 20,650,000 | 19,978,000 | 20,212,000 | 21,060,000 |
| Noninterest-bearing deposits | 3,501,000 | 2,757,000 | 3,060,000 | 3,391,000 |
| Equity capital | 2,477,000 | 2,249,000 | 2,328,000 | 2,265,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 387,000 | 771,000 | 1,140,000 | 1,501,000 |
| Interest expense | 129,000 | 249,000 | 355,000 | 447,000 |
| Net interest income | 258,000 | 522,000 | 785,000 | 1,054,000 |
| Noninterest income | 37,000 | 83,000 | 131,000 | 177,000 |
| Noninterest expense | 198,000 | 423,000 | 648,000 | 859,000 |
| Provision for loan losses | 5,000 | 12,000 | 18,000 | 25,000 |
| Pretax income | 92,000 | 170,000 | 250,000 | 347,000 |
| Income tax | 1,000 | 15,000 | 16,000 | 19,000 |
| Net income | 91,000 | 155,000 | 234,000 | 328,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,299,000 | 2,074,000 | 2,154,000 | 2,126,000 |
| Total capital | 2,468,000 | 2,249,000 | 2,335,000 | 2,314,000 |
| Risk-weighted assets | 15,408,000 | 15,050,000 | 14,995,000 | 15,180,000 |
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