Call reports 2011
FLAT BRANCH BANK — 2011
What FLAT BRANCH BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 28,284,000 | 27,393,000 | 27,876,000 | 29,394,000 |
| Total loans | 16,344,000 | 16,576,000 | 16,668,000 | 17,058,000 |
| Allowance for loan losses | 213,000 | 214,000 | 220,000 | 226,000 |
| Securities available for sale | 9,579,000 | 9,779,000 | 9,262,000 | 9,209,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 25,823,000 | 24,861,000 | 25,313,000 | 26,785,000 |
| Interest-bearing deposits | 21,930,000 | 21,306,000 | 21,773,000 | 22,713,000 |
| Noninterest-bearing deposits | 3,893,000 | 3,555,000 | 3,540,000 | 4,072,000 |
| Equity capital | 2,387,000 | 2,442,000 | 2,458,000 | 2,533,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 312,000 | 621,000 | 933,000 | 1,252,000 |
| Interest expense | 52,000 | 103,000 | 150,000 | 195,000 |
| Net interest income | 260,000 | 518,000 | 783,000 | 1,057,000 |
| Noninterest income | 48,000 | 98,000 | 146,000 | 193,000 |
| Noninterest expense | 195,000 | 400,000 | 616,000 | 834,000 |
| Provision for loan losses | 6,000 | 12,000 | 18,000 | 24,000 |
| Pretax income | 107,000 | 204,000 | 295,000 | 392,000 |
| Income tax | -1,000 | 2,000 | 4,000 | 6,000 |
| Net income | 108,000 | 202,000 | 291,000 | 386,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,349,000 | 2,357,000 | 2,351,000 | 2,447,000 |
| Total capital | 2,529,000 | 2,538,000 | 2,529,000 | 2,629,000 |
| Risk-weighted assets | 14,376,000 | 14,427,000 | 14,484,000 | 15,225,000 |