Call reports 2016
FLINT COMMUNITY BANK — 2016
What FLINT COMMUNITY BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 196,575,000 | 195,788,000 | 195,068,000 | 198,476,000 |
| Total loans | 162,411,000 | 163,504,000 | 168,469,000 | 170,765,000 |
| Allowance for loan losses | 1,758,000 | 1,796,000 | 1,812,000 | 1,750,000 |
| Securities available for sale | 2,991,000 | 3,001,000 | 2,999,000 | 2,974,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 174,411,000 | 173,092,000 | 172,123,000 | 172,530,000 |
| Interest-bearing deposits | 141,414,000 | 137,474,000 | 140,816,000 | 142,056,000 |
| Noninterest-bearing deposits | 32,997,000 | 35,618,000 | 31,307,000 | 30,474,000 |
| Equity capital | 15,968,000 | 16,294,000 | 16,627,000 | 16,887,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,909,000 | 3,854,000 | 5,829,000 | 7,803,000 |
| Interest expense | 214,000 | 437,000 | 665,000 | 895,000 |
| Net interest income | 1,695,000 | 3,417,000 | 5,164,000 | 6,908,000 |
| Noninterest income | 431,000 | 656,000 | 916,000 | 1,058,000 |
| Noninterest expense | 1,265,000 | 2,504,000 | 3,786,000 | 4,996,000 |
| Provision for loan losses | 60,000 | 120,000 | 180,000 | 240,000 |
| Pretax income | 801,000 | 1,449,000 | 2,114,000 | 2,730,000 |
| Income tax | 10,000 | 20,000 | 29,000 | 39,000 |
| Net income | 791,000 | 1,429,000 | 2,085,000 | 2,691,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,973,000 | 16,290,000 | 16,626,000 | 16,911,000 |
| Total capital | 17,731,000 | 18,086,000 | 18,438,000 | 18,661,000 |
| Risk-weighted assets | 145,097,000 | 146,306,000 | 151,816,000 | 154,378,000 |