Call reports 2025
FLAT BRANCH BANK — 2025
What FLAT BRANCH BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 88,747,000 | 94,085,000 | 93,148,000 | 95,839,000 |
| Total loans | 30,797,000 | 37,269,000 | 40,514,000 | 48,404,000 |
| Allowance for loan losses | 309,000 | 373,000 | 406,000 | 539,000 |
| Securities available for sale | 13,567,000 | 22,291,000 | 21,270,000 | 5,828,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 77,714,000 | 83,996,000 | 82,933,000 | 81,470,000 |
| Interest-bearing deposits | 66,854,000 | 73,406,000 | 70,874,000 | 67,093,000 |
| Noninterest-bearing deposits | 10,860,000 | 10,590,000 | 12,059,000 | 14,377,000 |
| Equity capital | 9,604,000 | 9,548,000 | 9,616,000 | 13,927,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 1,172,000 | 2,460,000 | 3,811,000 | 5,221,000 |
| Interest expense | 395,000 | 845,000 | 1,297,000 | 1,715,000 |
| Net interest income | 777,000 | 1,615,000 | 2,514,000 | 3,506,000 |
| Noninterest income | 54,000 | 110,000 | 164,000 | 223,000 |
| Noninterest expense | 746,000 | 1,679,000 | 2,577,000 | 3,509,000 |
| Provision for loan losses | 50,000 | 114,000 | 146,000 | 280,000 |
| Pretax income | 27,000 | -90,000 | -76,000 | 6,000 |
| Income tax | 9,000 | 9,000 | 9,000 | -5,000 |
| Net income | 18,000 | -99,000 | -85,000 | 11,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,735,000 | 7,363,000 | 7,411,000 | 11,842,000 |
| Total capital | 8,066,000 | 7,760,000 | 7,874,000 | — |
| Risk-weighted assets | 26,505,000 | 31,787,000 | 45,095,000 | — |