Call reports 2021
FLINT COMMUNITY BANK — 2021
What FLINT COMMUNITY BANK reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 286,577,000 | 290,726,000 | 302,898,000 | 290,457,000 |
| Total loans | 244,542,000 | 248,417,000 | 243,572,000 | 241,516,000 |
| Allowance for loan losses | 2,492,000 | 2,612,000 | 2,722,000 | 2,842,000 |
| Securities available for sale | 2,570,000 | 2,553,000 | 3,533,000 | 2,005,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 245,908,000 | 249,052,000 | 263,042,000 | 255,435,000 |
| Interest-bearing deposits | 165,847,000 | 170,827,000 | 174,262,000 | 171,362,000 |
| Noninterest-bearing deposits | 80,061,000 | 78,225,000 | 88,780,000 | 84,073,000 |
| Equity capital | 23,432,000 | 23,601,000 | 24,084,000 | 24,539,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 2,627,000 | 5,316,000 | 8,418,000 | 11,419,000 |
| Interest expense | 189,000 | 344,000 | 495,000 | 637,000 |
| Net interest income | 2,438,000 | 4,972,000 | 7,923,000 | 10,782,000 |
| Noninterest income | 338,000 | 695,000 | 1,046,000 | 1,418,000 |
| Noninterest expense | 1,641,000 | 3,329,000 | 5,112,000 | 6,869,000 |
| Provision for loan losses | 120,000 | 240,000 | 360,000 | 480,000 |
| Pretax income | 1,015,000 | 2,098,000 | 3,497,000 | 4,851,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,015,000 | 2,098,000 | 3,497,000 | 4,851,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,365,000 | 23,551,000 | 24,052,000 | 24,535,000 |
| Total capital | 25,857,000 | 26,163,000 | 26,774,000 | 27,354,000 |
| Risk-weighted assets | 219,077,000 | 222,352,000 | 223,138,000 | 225,491,000 |