Call reports 2019
FLAT BRANCH BANK — 2019
What FLAT BRANCH BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 33,854,000 | 33,119,000 | 33,215,000 | 32,874,000 |
| Total loans | 17,596,000 | 18,248,000 | 17,031,000 | 16,527,000 |
| Allowance for loan losses | 311,000 | 311,000 | 311,000 | 310,000 |
| Securities available for sale | 8,984,000 | 9,616,000 | 8,797,000 | 9,479,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 30,825,000 | 29,122,000 | 30,217,000 | 29,850,000 |
| Interest-bearing deposits | 23,234,000 | 22,501,000 | 22,504,000 | 22,493,000 |
| Noninterest-bearing deposits | 7,591,000 | 6,621,000 | 7,713,000 | 7,357,000 |
| Equity capital | 2,938,000 | 2,896,000 | 2,869,000 | 2,976,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 312,000 | 632,000 | 955,000 | 1,258,000 |
| Interest expense | 10,000 | 23,000 | 38,000 | 50,000 |
| Net interest income | 302,000 | 609,000 | 917,000 | 1,208,000 |
| Noninterest income | 43,000 | 88,000 | 135,000 | 181,000 |
| Noninterest expense | 252,000 | 486,000 | 734,000 | 964,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 93,000 | 211,000 | 318,000 | 425,000 |
| Income tax | 1,000 | 3,000 | 0 | 0 |
| Net income | 92,000 | 208,000 | 318,000 | 425,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,970,000 | 2,848,000 | 2,806,000 | 2,914,000 |
| Total capital | 3,156,000 | 3,042,000 | 2,986,000 | 3,088,000 |
| Risk-weighted assets | 14,764,000 | 15,381,000 | 14,282,000 | 13,770,000 |