Call reports 2020
FLINT COMMUNITY BANK — 2020
What FLINT COMMUNITY BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 251,837,000 | 297,538,000 | 281,254,000 | 271,783,000 |
| Total loans | 214,111,000 | 237,526,000 | 244,256,000 | 231,961,000 |
| Allowance for loan losses | 1,997,000 | 2,102,000 | 2,237,000 | 2,372,000 |
| Securities available for sale | 4,116,000 | 3,620,000 | 3,105,000 | 2,587,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 213,829,000 | 253,269,000 | 241,331,000 | 231,270,000 |
| Interest-bearing deposits | 163,696,000 | 179,361,000 | 172,343,000 | 164,609,000 |
| Noninterest-bearing deposits | 50,133,000 | 73,908,000 | 68,988,000 | 66,661,000 |
| Equity capital | 20,938,000 | 21,371,000 | 22,325,000 | 23,266,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 2,879,000 | 5,676,000 | 8,897,000 | 12,060,000 |
| Interest expense | 581,000 | 972,000 | 1,274,000 | 1,527,000 |
| Net interest income | 2,298,000 | 4,704,000 | 7,623,000 | 10,533,000 |
| Noninterest income | 271,000 | 590,000 | 932,000 | 1,247,000 |
| Noninterest expense | 1,648,000 | 3,274,000 | 4,970,000 | 6,641,000 |
| Provision for loan losses | 105,000 | 210,000 | 345,000 | 480,000 |
| Pretax income | 816,000 | 1,810,000 | 3,240,000 | 4,659,000 |
| Income tax | 0 | -12,000 | -12,000 | -12,000 |
| Net income | 816,000 | 1,822,000 | 3,252,000 | 4,671,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,827,000 | 21,256,000 | 22,225,000 | 23,183,000 |
| Total capital | 22,824,000 | 23,358,000 | 24,462,000 | 25,555,000 |
| Risk-weighted assets | 200,712,000 | 209,723,000 | 215,294,000 | 213,125,000 |
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