Call reports 2005
FLAGLER BANK — 2005
What FLAGLER BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 74,239,000 | 78,476,000 | 81,021,000 | 81,500,000 |
| Total loans | 56,307,000 | 56,529,000 | 58,754,000 | 61,636,000 |
| Allowance for loan losses | 705,000 | 705,000 | 705,000 | 716,000 |
| Securities available for sale | 3,747,000 | 3,330,000 | 2,983,000 | 3,681,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 62,244,000 | 66,193,000 | 68,309,000 | 68,289,000 |
| Interest-bearing deposits | 53,216,000 | 55,638,000 | 57,581,000 | 59,634,000 |
| Noninterest-bearing deposits | 9,028,000 | 10,555,000 | 10,728,000 | 8,655,000 |
| Equity capital | 6,926,000 | 7,186,000 | 7,618,000 | 8,123,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,111,000 | 2,378,000 | 3,696,000 | 5,157,000 |
| Interest expense | 270,000 | 642,000 | 1,063,000 | 1,560,000 |
| Net interest income | 841,000 | 1,736,000 | 2,633,000 | 3,597,000 |
| Noninterest income | 51,000 | 74,000 | 104,000 | 163,000 |
| Noninterest expense | 483,000 | 956,000 | 1,437,000 | 1,900,000 |
| Provision for loan losses | 40,000 | 40,000 | 40,000 | 80,000 |
| Pretax income | 369,000 | 814,000 | 1,260,000 | 1,780,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 369,000 | 814,000 | 1,260,000 | 1,780,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,952,000 | 7,188,000 | 7,634,000 | 8,155,000 |
| Total capital | 7,657,000 | 7,893,000 | 8,339,000 | 8,871,000 |
| Risk-weighted assets | 61,042,000 | 62,095,000 | 64,174,000 | 68,112,000 |