Call reports 2013
FLAT BRANCH BANK — 2013
What FLAT BRANCH BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 33,773,000 | 32,116,000 | 32,207,000 | 32,398,000 |
| Total loans | 16,166,000 | 15,824,000 | 16,102,000 | 15,873,000 |
| Allowance for loan losses | 253,000 | 247,000 | 248,000 | 255,000 |
| Securities available for sale | 12,626,000 | 11,660,000 | 11,412,000 | 11,298,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 30,935,000 | 29,327,000 | 29,237,000 | 29,580,000 |
| Interest-bearing deposits | 24,990,000 | 24,770,000 | 24,518,000 | 24,422,000 |
| Noninterest-bearing deposits | 5,945,000 | 4,557,000 | 4,719,000 | 5,158,000 |
| Equity capital | 2,783,000 | 2,690,000 | 2,812,000 | 2,758,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 308,000 | 588,000 | 861,000 | 1,129,000 |
| Interest expense | 26,000 | 51,000 | 69,000 | 87,000 |
| Net interest income | 282,000 | 537,000 | 792,000 | 1,042,000 |
| Noninterest income | 46,000 | 90,000 | 132,000 | 178,000 |
| Noninterest expense | 229,000 | 425,000 | 634,000 | 852,000 |
| Provision for loan losses | 6,000 | 12,000 | 18,000 | 24,000 |
| Pretax income | 93,000 | 190,000 | 272,000 | 343,000 |
| Income tax | -11,000 | -10,000 | -9,000 | -9,000 |
| Net income | 104,000 | 200,000 | 281,000 | 352,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,737,000 | 2,767,000 | 2,848,000 | 2,812,000 |
| Total capital | 2,920,000 | 2,945,000 | 3,030,000 | 2,993,000 |
| Risk-weighted assets | 14,605,000 | 14,185,000 | 14,498,000 | 14,367,000 |