Call reports 2009
FLINT COMMUNITY BANK — 2009
What FLINT COMMUNITY BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 99,813,000 | 100,526,000 | 100,305,000 | 103,747,000 |
| Total loans | 79,225,000 | 79,587,000 | 84,086,000 | 84,434,000 |
| Allowance for loan losses | 989,000 | 1,037,000 | 1,077,000 | 1,169,000 |
| Securities available for sale | 3,767,000 | 3,252,000 | 3,013,000 | 3,013,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 89,472,000 | 90,515,000 | 89,894,000 | 93,228,000 |
| Interest-bearing deposits | 78,407,000 | 82,063,000 | 81,605,000 | 83,018,000 |
| Noninterest-bearing deposits | 11,065,000 | 8,452,000 | 8,289,000 | 10,210,000 |
| Equity capital | 9,143,000 | 9,083,000 | 9,246,000 | 9,436,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,306,000 | 2,660,000 | 4,053,000 | 5,481,000 |
| Interest expense | 506,000 | 1,005,000 | 1,479,000 | 1,925,000 |
| Net interest income | 800,000 | 1,655,000 | 2,574,000 | 3,556,000 |
| Noninterest income | 66,000 | -190,000 | -124,000 | -55,000 |
| Noninterest expense | 628,000 | 1,260,000 | 1,968,000 | 2,673,000 |
| Provision for loan losses | 81,000 | 129,000 | 169,000 | 289,000 |
| Pretax income | 157,000 | 76,000 | 313,000 | 539,000 |
| Income tax | 54,000 | 26,000 | 105,000 | 142,000 |
| Net income | 103,000 | 50,000 | 208,000 | 397,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,426,000 | 8,348,000 | 8,708,000 | 8,961,000 |
| Total capital | 9,415,000 | 9,320,000 | 9,672,000 | 9,944,000 |
| Risk-weighted assets | 79,512,000 | 77,661,000 | 77,037,000 | 78,453,000 |
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