Call reports 2004
FLAGLER BANK — 2004
What FLAGLER BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 62,049,000 | 66,453,000 | 62,624,000 | 66,578,000 |
| Total loans | 39,647,000 | 39,158,000 | 44,212,000 | 50,717,000 |
| Allowance for loan losses | 537,000 | 537,000 | 566,000 | 612,000 |
| Securities available for sale | 2,912,000 | 4,593,000 | 4,472,000 | 4,122,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 56,089,000 | 60,503,000 | 56,291,000 | 59,923,000 |
| Interest-bearing deposits | 49,576,000 | 52,751,000 | 50,237,000 | 52,119,000 |
| Noninterest-bearing deposits | 6,513,000 | 7,752,000 | 6,054,000 | 7,804,000 |
| Equity capital | 5,901,000 | 5,881,000 | 6,258,000 | 6,587,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 896,000 | 1,721,000 | 2,650,000 | 3,693,000 |
| Interest expense | 231,000 | 460,000 | 688,000 | 925,000 |
| Net interest income | 665,000 | 1,261,000 | 1,962,000 | 2,768,000 |
| Noninterest income | 48,000 | 112,000 | 201,000 | 247,000 |
| Noninterest expense | 416,000 | 834,000 | 1,272,000 | 1,719,000 |
| Provision for loan losses | 60,000 | 60,000 | 85,000 | 135,000 |
| Pretax income | 237,000 | 479,000 | 806,000 | 1,161,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 237,000 | 479,000 | 806,000 | 1,161,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,800,000 | 5,865,000 | 6,227,000 | 6,584,000 |
| Total capital | 6,337,000 | 6,402,000 | 6,793,000 | 7,196,000 |
| Risk-weighted assets | 44,759,000 | 45,119,000 | 48,242,000 | 54,644,000 |
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