Call reports 2007
FLAGLER BANK — 2007
What FLAGLER BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 98,050,000 | 100,453,000 | 103,182,000 | 98,432,000 |
| Total loans | 72,567,000 | 72,759,000 | 75,554,000 | 78,248,000 |
| Allowance for loan losses | 770,000 | 830,000 | 830,000 | 855,000 |
| Securities available for sale | 4,500,000 | 4,151,000 | 5,008,000 | 4,901,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 82,810,000 | 84,697,000 | 86,959,000 | 81,856,000 |
| Interest-bearing deposits | 67,258,000 | 75,304,000 | 76,372,000 | 74,532,000 |
| Noninterest-bearing deposits | 15,552,000 | 9,393,000 | 10,587,000 | 7,324,000 |
| Equity capital | 10,093,000 | 10,579,000 | 10,980,000 | 11,365,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,812,000 | 3,818,000 | 5,810,000 | 7,819,000 |
| Interest expense | 778,000 | 1,691,000 | 2,654,000 | 3,619,000 |
| Net interest income | 1,034,000 | 2,127,000 | 3,156,000 | 4,200,000 |
| Noninterest income | 68,000 | 145,000 | 226,000 | 305,000 |
| Noninterest expense | 587,000 | 1,192,000 | 1,940,000 | 2,665,000 |
| Provision for loan losses | 19,000 | 79,000 | 79,000 | 139,000 |
| Pretax income | 496,000 | 1,001,000 | 1,363,000 | 1,701,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 496,000 | 1,001,000 | 1,363,000 | 1,701,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,121,000 | 10,626,000 | 10,987,000 | 11,325,000 |
| Total capital | 10,891,000 | 11,456,000 | 11,817,000 | 12,180,000 |
| Risk-weighted assets | 83,231,000 | 83,616,000 | 86,596,000 | 87,962,000 |