Call reports 2007
FLINT COMMUNITY BANK — 2007
What FLINT COMMUNITY BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 41,919,000 | 43,043,000 | 49,546,000 | 58,930,000 |
| Total loans | 25,120,000 | 33,335,000 | 39,106,000 | 46,603,000 |
| Allowance for loan losses | 251,000 | 333,000 | 391,000 | 616,000 |
| Securities available for sale | 3,499,000 | 3,486,000 | 3,510,000 | 3,765,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 33,023,000 | 34,552,000 | 41,088,000 | 48,663,000 |
| Interest-bearing deposits | 28,896,000 | 28,886,000 | 33,863,000 | 42,785,000 |
| Noninterest-bearing deposits | 4,127,000 | 5,666,000 | 7,225,000 | 5,878,000 |
| Equity capital | 8,234,000 | 8,027,000 | 7,901,000 | 8,650,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 573,000 | 1,233,000 | 2,049,000 | 2,982,000 |
| Interest expense | 261,000 | 566,000 | 961,000 | 1,425,000 |
| Net interest income | 312,000 | 667,000 | 1,088,000 | 1,557,000 |
| Noninterest income | 13,000 | 48,000 | 79,000 | 125,000 |
| Noninterest expense | 703,000 | 1,336,000 | 2,009,000 | 2,646,000 |
| Provision for loan losses | -23,000 | 59,000 | 117,000 | 342,000 |
| Pretax income | -355,000 | -680,000 | -959,000 | -1,306,000 |
| Income tax | 0 | 0 | 0 | -1,015,000 |
| Net income | -355,000 | -680,000 | -959,000 | -291,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,231,000 | 8,037,000 | 7,887,000 | 7,724,000 |
| Total capital | 8,482,000 | 8,370,000 | 8,278,000 | 8,340,000 |
| Risk-weighted assets | 30,665,000 | 38,673,000 | 42,903,000 | 51,044,000 |
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