Call reports 2015
FLINT COMMUNITY BANK — 2015
What FLINT COMMUNITY BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 178,883,000 | 178,666,000 | 179,842,000 | 182,668,000 |
| Total loans | 149,985,000 | 151,107,000 | 157,174,000 | 163,623,000 |
| Allowance for loan losses | 1,752,000 | 1,812,000 | 1,723,000 | 1,698,000 |
| Securities available for sale | 2,993,000 | 2,988,000 | 2,993,000 | 2,979,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 159,694,000 | 159,688,000 | 157,174,000 | 158,419,000 |
| Interest-bearing deposits | 131,429,000 | 132,494,000 | 128,219,000 | 126,261,000 |
| Noninterest-bearing deposits | 28,265,000 | 27,194,000 | 28,955,000 | 32,158,000 |
| Equity capital | 14,539,000 | 14,944,000 | 15,301,000 | 15,165,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,725,000 | 3,481,000 | 5,274,000 | 7,146,000 |
| Interest expense | 178,000 | 367,000 | 560,000 | 754,000 |
| Net interest income | 1,547,000 | 3,114,000 | 4,714,000 | 6,392,000 |
| Noninterest income | 240,000 | 467,000 | 749,000 | 1,054,000 |
| Noninterest expense | 1,105,000 | 2,196,000 | 3,456,000 | 4,762,000 |
| Provision for loan losses | 60,000 | 120,000 | 180,000 | 240,000 |
| Pretax income | 622,000 | 1,265,000 | 1,827,000 | 2,444,000 |
| Income tax | 221,000 | 457,000 | 665,000 | 1,403,000 |
| Net income | 401,000 | 808,000 | 1,162,000 | 1,041,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,542,000 | 14,950,000 | 15,304,000 | 15,182,000 |
| Total capital | 16,234,000 | 16,656,000 | 17,027,000 | 16,880,000 |
| Risk-weighted assets | 135,314,000 | 136,409,000 | 140,549,000 | 144,180,000 |
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