Call reports 2017
FLINT COMMUNITY BANK — 2017
What FLINT COMMUNITY BANK reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 213,121,000 | 208,196,000 | 215,109,000 | 224,920,000 |
| Total loans | 173,082,000 | 177,188,000 | 180,440,000 | 192,003,000 |
| Allowance for loan losses | 1,810,000 | 1,851,000 | 1,900,000 | 1,984,000 |
| Securities available for sale | 2,980,000 | 3,480,000 | 4,482,000 | 4,953,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 188,062,000 | 179,071,000 | 184,726,000 | 186,882,000 |
| Interest-bearing deposits | 147,032,000 | 137,768,000 | 146,019,000 | 149,768,000 |
| Noninterest-bearing deposits | 41,030,000 | 41,303,000 | 38,706,000 | 37,114,000 |
| Equity capital | 17,020,000 | 17,249,000 | 17,730,000 | 18,255,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 2,029,000 | 4,156,000 | 6,392,000 | 8,740,000 |
| Interest expense | 235,000 | 474,000 | 758,000 | 1,087,000 |
| Net interest income | 1,794,000 | 3,682,000 | 5,634,000 | 7,653,000 |
| Noninterest income | 335,000 | 704,000 | 1,105,000 | 1,639,000 |
| Noninterest expense | 1,356,000 | 2,737,000 | 4,221,000 | 5,727,000 |
| Provision for loan losses | 60,000 | 120,000 | 180,000 | 240,000 |
| Pretax income | 713,000 | 1,529,000 | 2,338,000 | 3,325,000 |
| Income tax | 10,000 | 20,000 | 29,000 | 39,000 |
| Net income | 703,000 | 1,509,000 | 2,309,000 | 3,286,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,038,000 | 17,267,000 | 17,747,000 | 18,301,000 |
| Total capital | 18,848,000 | 19,118,000 | 19,647,000 | 20,285,000 |
| Risk-weighted assets | 156,618,000 | 163,645,000 | 166,513,000 | 176,916,000 |