Call reports 2023
FLINT COMMUNITY BANK — 2023
What FLINT COMMUNITY BANK reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 317,147,000 | 319,293,000 | 315,127,000 | 307,262,000 |
| Total loans | 266,724,000 | 263,338,000 | 257,591,000 | 258,705,000 |
| Allowance for loan losses | 3,282,000 | 3,282,000 | 3,282,000 | 3,282,000 |
| Securities available for sale | 8,748,000 | 8,698,000 | 8,726,000 | 10,824,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 270,776,000 | 274,528,000 | 276,854,000 | 268,514,000 |
| Interest-bearing deposits | 188,816,000 | 199,102,000 | 206,966,000 | 198,863,000 |
| Noninterest-bearing deposits | 81,960,000 | 75,426,000 | 69,888,000 | 69,651,000 |
| Equity capital | 25,524,000 | 25,714,000 | 26,086,000 | 26,507,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 3,594,000 | 7,677,000 | 12,026,000 | 16,427,000 |
| Interest expense | 870,000 | 2,216,000 | 3,698,000 | 5,294,000 |
| Net interest income | 2,724,000 | 5,461,000 | 8,328,000 | 11,133,000 |
| Noninterest income | 332,000 | 726,000 | 1,091,000 | 1,452,000 |
| Noninterest expense | 1,957,000 | 3,919,000 | 5,879,000 | 7,795,000 |
| Provision for loan losses | 20,000 | 20,000 | 20,000 | 20,000 |
| Pretax income | 1,079,000 | 2,248,000 | 3,520,000 | 4,770,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,079,000 | 2,248,000 | 3,520,000 | 4,770,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,749,000 | 25,995,000 | 26,343,000 | 26,633,000 |
| Total capital | 28,823,000 | 29,052,000 | 29,299,000 | 29,579,000 |
| Risk-weighted assets | 245,705,000 | 244,312,000 | 236,181,000 | 235,381,000 |
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