Call reports 2016
FLAT BRANCH BANK — 2016
What FLAT BRANCH BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 35,024,000 | 34,355,000 | 32,401,000 | 32,543,000 |
| Total loans | 16,702,000 | 17,688,000 | 17,279,000 | 16,337,000 |
| Allowance for loan losses | 298,000 | 304,000 | 306,000 | 312,000 |
| Securities available for sale | 12,723,000 | 13,013,000 | 12,428,000 | 13,583,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 32,032,000 | 31,248,000 | 29,447,000 | 28,303,000 |
| Interest-bearing deposits | 26,085,000 | 25,025,000 | 23,573,000 | 21,662,000 |
| Noninterest-bearing deposits | 5,947,000 | 6,223,000 | 5,874,000 | 6,641,000 |
| Equity capital | 2,901,000 | 2,987,000 | 2,815,000 | 2,745,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 282,000 | 566,000 | 849,000 | 1,126,000 |
| Interest expense | 14,000 | 28,000 | 41,000 | 53,000 |
| Net interest income | 268,000 | 538,000 | 808,000 | 1,073,000 |
| Noninterest income | 40,000 | 86,000 | 130,000 | 175,000 |
| Noninterest expense | 212,000 | 440,000 | 670,000 | 909,000 |
| Provision for loan losses | 6,000 | 12,000 | 18,000 | 24,000 |
| Pretax income | 90,000 | 172,000 | 250,000 | 315,000 |
| Income tax | -5,000 | -3,000 | -2,000 | -2,000 |
| Net income | 95,000 | 175,000 | 252,000 | 317,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,843,000 | 2,865,000 | 2,726,000 | 2,792,000 |
| Total capital | 3,034,000 | 3,065,000 | 2,920,000 | 2,976,000 |
| Risk-weighted assets | 15,160,000 | 15,903,000 | 15,407,000 | 14,600,000 |