Call reports 2012
FLAT BRANCH BANK — 2012
What FLAT BRANCH BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 31,910,000 | 30,379,000 | 30,185,000 | 32,011,000 |
| Total loans | 16,327,000 | 16,583,000 | 16,276,000 | 16,537,000 |
| Allowance for loan losses | 232,000 | 233,000 | 241,000 | 246,000 |
| Securities available for sale | 10,292,000 | 10,195,000 | 9,655,000 | 9,888,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 29,225,000 | 27,704,000 | 27,467,000 | 29,270,000 |
| Interest-bearing deposits | 24,388,000 | 23,464,000 | 22,892,000 | 24,145,000 |
| Noninterest-bearing deposits | 4,837,000 | 4,240,000 | 4,575,000 | 5,125,000 |
| Equity capital | 2,617,000 | 2,591,000 | 2,623,000 | 2,687,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 295,000 | 581,000 | 872,000 | 1,156,000 |
| Interest expense | 40,000 | 76,000 | 110,000 | 140,000 |
| Net interest income | 255,000 | 505,000 | 762,000 | 1,016,000 |
| Noninterest income | 46,000 | 89,000 | 134,000 | 180,000 |
| Noninterest expense | 196,000 | 401,000 | 598,000 | 809,000 |
| Provision for loan losses | 6,000 | 12,000 | 18,000 | 24,000 |
| Pretax income | 99,000 | 181,000 | 280,000 | 363,000 |
| Income tax | -2,000 | 0 | 3,000 | 4,000 |
| Net income | 101,000 | 181,000 | 277,000 | 359,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,548,000 | 2,520,000 | 2,551,000 | 2,632,000 |
| Total capital | 2,722,000 | 2,697,000 | 2,727,000 | 2,814,000 |
| Risk-weighted assets | 13,882,000 | 14,122,000 | 13,980,000 | 14,524,000 |