Call reports 2018
FLINT COMMUNITY BANK — 2018
What FLINT COMMUNITY BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 221,274,000 | 222,409,000 | 223,493,000 | 223,276,000 |
| Total loans | 189,854,000 | 191,315,000 | 193,164,000 | 187,188,000 |
| Allowance for loan losses | 2,044,000 | 2,104,000 | 1,526,000 | 1,569,000 |
| Securities available for sale | 4,938,000 | 4,937,000 | 4,945,000 | 5,483,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 188,572,000 | 187,543,000 | 187,106,000 | 192,427,000 |
| Interest-bearing deposits | 148,322,000 | 147,785,000 | 148,085,000 | 151,175,000 |
| Noninterest-bearing deposits | 40,250,000 | 39,758,000 | 39,022,000 | 41,252,000 |
| Equity capital | 18,982,000 | 19,065,000 | 19,394,000 | 19,488,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 2,504,000 | 4,950,000 | 7,463,000 | 9,985,000 |
| Interest expense | 370,000 | 776,000 | 1,258,000 | 1,819,000 |
| Net interest income | 2,134,000 | 4,174,000 | 6,205,000 | 8,166,000 |
| Noninterest income | 790,000 | 1,121,000 | 1,469,000 | 1,746,000 |
| Noninterest expense | 1,480,000 | 3,000,000 | 4,472,000 | 6,038,000 |
| Provision for loan losses | 60,000 | 120,000 | 220,000 | 340,000 |
| Pretax income | 1,384,000 | 2,175,000 | 2,982,000 | 3,534,000 |
| Income tax | 0 | 1,000 | 1,000 | 1,000 |
| Net income | 1,384,000 | 2,174,000 | 2,981,000 | 3,533,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,043,000 | 19,128,000 | 19,449,000 | 19,513,000 |
| Total capital | 21,087,000 | 21,232,000 | 20,975,000 | 21,082,000 |
| Risk-weighted assets | 178,510,000 | 181,453,000 | 181,690,000 | 176,474,000 |