Call reports 2010
FLAT BRANCH BANK — 2010
What FLAT BRANCH BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 28,084,000 | 27,006,000 | 26,118,000 | 26,765,000 |
| Total loans | 16,840,000 | 16,341,000 | 16,792,000 | 15,995,000 |
| Allowance for loan losses | 195,000 | 199,000 | 200,000 | 206,000 |
| Securities available for sale | 8,702,000 | 9,043,000 | 8,525,000 | 7,952,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 25,671,000 | 24,521,000 | 23,273,000 | 24,402,000 |
| Interest-bearing deposits | 21,958,000 | 21,444,000 | 20,097,000 | 20,532,000 |
| Noninterest-bearing deposits | 3,713,000 | 3,077,000 | 3,176,000 | 3,870,000 |
| Equity capital | 2,320,000 | 2,363,000 | 2,375,000 | 2,287,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 351,000 | 691,000 | 1,028,000 | 1,347,000 |
| Interest expense | 87,000 | 171,000 | 244,000 | 303,000 |
| Net interest income | 264,000 | 520,000 | 784,000 | 1,044,000 |
| Noninterest income | 43,000 | 92,000 | 136,000 | 182,000 |
| Noninterest expense | 203,000 | 414,000 | 627,000 | 830,000 |
| Provision for loan losses | 7,000 | 12,000 | 18,000 | 25,000 |
| Pretax income | 97,000 | 186,000 | 275,000 | 371,000 |
| Income tax | 4,000 | 7,000 | 10,000 | 12,000 |
| Net income | 93,000 | 179,000 | 265,000 | 359,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,219,000 | 2,262,000 | 2,254,000 | 2,241,000 |
| Total capital | 2,414,000 | 2,442,000 | 2,436,000 | 2,418,000 |
| Risk-weighted assets | 15,118,000 | 14,377,000 | 14,505,000 | 14,091,000 |