Call reports 2019
FLINT COMMUNITY BANK — 2019
What FLINT COMMUNITY BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 228,310,000 | 226,132,000 | 261,527,000 | 261,024,000 |
| Total loans | 190,783,000 | 190,788,000 | 203,800,000 | 211,375,000 |
| Allowance for loan losses | 1,600,000 | 1,666,000 | 1,780,000 | 1,892,000 |
| Securities available for sale | 5,527,000 | 4,571,000 | 4,576,000 | 4,567,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 199,903,000 | 196,376,000 | 228,285,000 | 221,822,000 |
| Interest-bearing deposits | 157,019,000 | 149,324,000 | 181,862,000 | 171,149,000 |
| Noninterest-bearing deposits | 42,884,000 | 47,052,000 | 46,423,000 | 50,673,000 |
| Equity capital | 19,540,000 | 19,746,000 | 20,165,000 | 20,650,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 2,562,000 | 5,204,000 | 8,048,000 | 10,959,000 |
| Interest expense | 571,000 | 1,131,000 | 1,743,000 | 2,382,000 |
| Net interest income | 1,991,000 | 4,073,000 | 6,305,000 | 8,577,000 |
| Noninterest income | 265,000 | 612,000 | 908,000 | 1,187,000 |
| Noninterest expense | 1,487,000 | 2,994,000 | 4,540,000 | 6,090,000 |
| Provision for loan losses | 120,000 | 240,000 | 360,000 | 480,000 |
| Pretax income | 649,000 | 1,451,000 | 2,313,000 | 3,194,000 |
| Income tax | 0 | 0 | 0 | -60,000 |
| Net income | 649,000 | 1,451,000 | 2,313,000 | 3,254,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,521,000 | 19,682,000 | 20,095,000 | 20,589,000 |
| Total capital | 21,122,000 | 21,348,000 | 21,875,000 | 22,481,000 |
| Risk-weighted assets | 178,918,000 | 179,573,000 | 189,915,000 | 199,178,000 |