Call reports 2015
FLAT BRANCH BANK — 2015
What FLAT BRANCH BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 36,444,000 | 34,406,000 | 34,312,000 | 34,018,000 |
| Total loans | 16,474,000 | 16,688,000 | 16,937,000 | 17,254,000 |
| Allowance for loan losses | 270,000 | 282,000 | 287,000 | 292,000 |
| Securities available for sale | 14,210,000 | 14,411,000 | 14,139,000 | 13,271,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 33,296,000 | 30,818,000 | 30,061,000 | 30,867,000 |
| Interest-bearing deposits | 27,251,000 | 25,382,000 | 24,758,000 | 24,926,000 |
| Noninterest-bearing deposits | 6,045,000 | 5,436,000 | 5,303,000 | 5,941,000 |
| Equity capital | 3,071,000 | 2,968,000 | 3,111,000 | 2,879,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 265,000 | 544,000 | 824,000 | 1,107,000 |
| Interest expense | 15,000 | 31,000 | 46,000 | 61,000 |
| Net interest income | 250,000 | 513,000 | 778,000 | 1,046,000 |
| Noninterest income | 37,000 | 85,000 | 129,000 | 177,000 |
| Noninterest expense | 216,000 | 452,000 | 662,000 | 908,000 |
| Provision for loan losses | 6,000 | 12,000 | 18,000 | 24,000 |
| Pretax income | 65,000 | 134,000 | 227,000 | 291,000 |
| Income tax | -1,000 | 1,000 | 2,000 | 2,000 |
| Net income | 66,000 | 133,000 | 225,000 | 289,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,033,000 | 2,971,000 | 3,063,000 | 2,892,000 |
| Total capital | 3,224,000 | 3,170,000 | 3,265,000 | 3,097,000 |
| Risk-weighted assets | 15,264,000 | 15,852,000 | 16,054,000 | 16,376,000 |