Call reports 2014
FLAT BRANCH BANK — 2014
What FLAT BRANCH BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 35,691,000 | 33,976,000 | 33,454,000 | 33,331,000 |
| Total loans | 16,113,000 | 16,218,000 | 16,581,000 | 16,723,000 |
| Allowance for loan losses | 261,000 | 267,000 | 271,000 | 267,000 |
| Securities available for sale | 14,368,000 | 13,687,000 | 13,349,000 | 12,732,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 32,821,000 | 30,219,000 | 30,384,000 | 30,335,000 |
| Interest-bearing deposits | 25,688,000 | 23,965,000 | 25,070,000 | 25,024,000 |
| Noninterest-bearing deposits | 7,133,000 | 6,254,000 | 5,314,000 | 5,311,000 |
| Equity capital | 2,814,000 | 2,906,000 | 2,965,000 | 2,941,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 266,000 | 536,000 | 807,000 | 1,094,000 |
| Interest expense | 16,000 | 33,000 | 50,000 | 66,000 |
| Net interest income | 250,000 | 503,000 | 757,000 | 1,028,000 |
| Noninterest income | 39,000 | 87,000 | 128,000 | 176,000 |
| Noninterest expense | 218,000 | 423,000 | 645,000 | 865,000 |
| Provision for loan losses | 6,000 | 12,000 | 18,000 | 24,000 |
| Pretax income | 65,000 | 155,000 | 222,000 | 315,000 |
| Income tax | -1,000 | 0 | 0 | 1,000 |
| Net income | 66,000 | 155,000 | 222,000 | 314,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,879,000 | 2,928,000 | 2,994,000 | 2,968,000 |
| Total capital | 3,069,000 | 3,118,000 | 3,183,000 | 3,158,000 |
| Risk-weighted assets | 15,103,000 | 15,137,000 | 15,080,000 | 15,134,000 |