Call reports 2013
FLINT COMMUNITY BANK — 2013
What FLINT COMMUNITY BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 146,183,000 | 161,499,000 | 156,319,000 | 154,742,000 |
| Total loans | 117,673,000 | 122,124,000 | 127,264,000 | 128,847,000 |
| Allowance for loan losses | 1,350,000 | 1,384,000 | 1,439,000 | 1,610,000 |
| Securities available for sale | 2,503,000 | 2,454,000 | 2,959,000 | 2,936,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 133,156,000 | 148,233,000 | 142,979,000 | 139,463,000 |
| Interest-bearing deposits | 107,840,000 | 127,779,000 | 121,205,000 | 117,101,000 |
| Noninterest-bearing deposits | 25,316,000 | 20,454,000 | 21,774,000 | 22,362,000 |
| Equity capital | 12,117,000 | 12,384,000 | 12,678,000 | 12,682,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,483,000 | 3,014,000 | 4,589,000 | 6,178,000 |
| Interest expense | 215,000 | 403,000 | 577,000 | 744,000 |
| Net interest income | 1,268,000 | 2,611,000 | 4,012,000 | 5,434,000 |
| Noninterest income | 145,000 | 305,000 | 486,000 | 681,000 |
| Noninterest expense | 1,008,000 | 1,993,000 | 3,044,000 | 4,055,000 |
| Provision for loan losses | 60,000 | 120,000 | 200,000 | 754,000 |
| Pretax income | 345,000 | 803,000 | 1,254,000 | 1,306,000 |
| Income tax | 117,000 | 276,000 | 436,000 | 470,000 |
| Net income | 228,000 | 527,000 | 818,000 | 836,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,115,000 | 12,413,000 | 12,705,000 | 12,723,000 |
| Total capital | 13,413,000 | 13,719,000 | 14,045,000 | 14,108,000 |
| Risk-weighted assets | 103,659,000 | 104,240,000 | 106,975,000 | 110,523,000 |
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