Call reports 2006
FLAGLER BANK — 2006
What FLAGLER BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 94,470,000 | 91,159,000 | 96,347,000 | 88,682,000 |
| Total loans | 62,683,000 | 65,657,000 | 65,192,000 | 65,894,000 |
| Allowance for loan losses | 733,000 | 751,000 | 751,000 | 751,000 |
| Securities available for sale | 4,836,000 | 4,473,000 | 4,250,000 | 4,661,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 81,130,000 | 77,258,000 | 81,754,000 | 73,504,000 |
| Interest-bearing deposits | 64,802,000 | 65,342,000 | 64,699,000 | 63,102,000 |
| Noninterest-bearing deposits | 16,328,000 | 11,916,000 | 17,055,000 | 10,402,000 |
| Equity capital | 8,264,000 | 8,795,000 | 9,460,000 | 10,021,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,579,000 | 3,288,000 | 5,085,000 | 6,945,000 |
| Interest expense | 553,000 | 1,220,000 | 1,951,000 | 2,761,000 |
| Net interest income | 1,026,000 | 2,068,000 | 3,134,000 | 4,184,000 |
| Noninterest income | 47,000 | 96,000 | 147,000 | 222,000 |
| Noninterest expense | 535,000 | 1,052,000 | 1,564,000 | 2,121,000 |
| Provision for loan losses | 10,000 | 25,000 | 25,000 | 25,000 |
| Pretax income | 528,000 | 1,087,000 | 1,692,000 | 2,260,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 528,000 | 1,087,000 | 1,692,000 | 2,260,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,332,000 | 8,902,000 | 9,507,000 | 10,074,000 |
| Total capital | 9,065,000 | 9,653,000 | 10,258,000 | 10,825,000 |
| Risk-weighted assets | 71,790,000 | 75,642,000 | 76,990,000 | 76,285,000 |