Call reports 2025
FLINT COMMUNITY BANK — 2025
What FLINT COMMUNITY BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 336,212,000 | 331,018,000 | 330,572,000 | 332,376,000 |
| Total loans | 276,700,000 | 275,589,000 | 274,007,000 | 280,300,000 |
| Allowance for loan losses | 3,451,000 | 3,494,000 | 3,614,000 | 3,719,000 |
| Securities available for sale | 8,503,000 | 8,519,000 | 8,044,000 | 9,045,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 281,187,000 | 281,028,000 | 283,697,000 | 282,436,000 |
| Interest-bearing deposits | 210,626,000 | 208,020,000 | 209,973,000 | 210,483,000 |
| Noninterest-bearing deposits | 70,561,000 | 73,008,000 | 73,724,000 | 71,953,000 |
| Equity capital | 28,746,000 | 29,532,000 | 30,278,000 | 31,127,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 4,790,000 | 9,866,000 | 14,930,000 | 20,076,000 |
| Interest expense | 1,544,000 | 3,165,000 | 4,722,000 | 6,171,000 |
| Net interest income | 3,246,000 | 6,701,000 | 10,208,000 | 13,905,000 |
| Noninterest income | 362,000 | 763,000 | 1,202,000 | 1,614,000 |
| Noninterest expense | 2,063,000 | 4,134,000 | 6,274,000 | 8,453,000 |
| Provision for loan losses | 60,000 | 120,000 | 240,000 | 360,000 |
| Pretax income | 1,485,000 | 3,210,000 | 4,896,000 | 6,706,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,485,000 | 3,210,000 | 4,896,000 | 6,706,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,710,000 | 29,473,000 | 30,199,000 | 31,050,000 |
| Total capital | 31,867,000 | 32,611,000 | 33,304,000 | 34,214,000 |
| Risk-weighted assets | 252,292,000 | 250,648,000 | 247,882,000 | 252,539,000 |
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