Call reports 2012
FLINT COMMUNITY BANK — 2012
What FLINT COMMUNITY BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 129,450,000 | 131,327,000 | 133,425,000 | 147,328,000 |
| Total loans | 106,749,000 | 111,159,000 | 111,391,000 | 114,434,000 |
| Allowance for loan losses | 1,395,000 | 1,452,000 | 1,420,000 | 1,293,000 |
| Securities available for sale | 2,510,000 | 1,510,000 | 2,013,000 | 2,505,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 117,186,000 | 118,620,000 | 120,327,000 | 134,705,000 |
| Interest-bearing deposits | 101,740,000 | 102,005,000 | 103,341,000 | 105,092,000 |
| Noninterest-bearing deposits | 15,446,000 | 16,615,000 | 16,986,000 | 29,613,000 |
| Equity capital | 11,090,000 | 11,407,000 | 11,810,000 | 11,891,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,488,000 | 3,057,000 | 4,545,000 | 6,061,000 |
| Interest expense | 307,000 | 584,000 | 842,000 | 1,081,000 |
| Net interest income | 1,181,000 | 2,473,000 | 3,703,000 | 4,980,000 |
| Noninterest income | 176,000 | 276,000 | 691,000 | 821,000 |
| Noninterest expense | 843,000 | 1,689,000 | 2,554,000 | 3,512,000 |
| Provision for loan losses | 240,000 | 300,000 | 470,000 | 670,000 |
| Pretax income | 274,000 | 760,000 | 1,370,000 | 1,619,000 |
| Income tax | 95,000 | 263,000 | 473,000 | 636,000 |
| Net income | 179,000 | 497,000 | 897,000 | 983,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,083,000 | 11,401,000 | 11,800,000 | 11,887,000 |
| Total capital | 12,274,000 | 12,638,000 | 13,040,000 | 13,160,000 |
| Risk-weighted assets | 95,096,000 | 98,749,000 | 99,046,000 | 101,718,000 |
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