Call reports 2015
FLAGLER BANK — 2015
What FLAGLER BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 174,337,000 | 182,373,000 | 195,011,000 | 220,889,000 |
| Total loans | 101,398,000 | 108,557,000 | 118,955,000 | 124,847,000 |
| Allowance for loan losses | 1,977,000 | 1,980,000 | 1,983,000 | 1,986,000 |
| Securities available for sale | 54,935,000 | 53,122,000 | 50,843,000 | 59,061,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 156,796,000 | 155,771,000 | 166,778,000 | 191,876,000 |
| Interest-bearing deposits | 134,479,000 | 132,681,000 | 140,505,000 | 141,278,000 |
| Noninterest-bearing deposits | 22,317,000 | 23,090,000 | 26,273,000 | 50,598,000 |
| Equity capital | 17,373,000 | 16,383,000 | 18,000,000 | 18,898,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,764,000 | 3,722,000 | 5,727,000 | 7,780,000 |
| Interest expense | 280,000 | 565,000 | 858,000 | 1,168,000 |
| Net interest income | 1,484,000 | 3,157,000 | 4,869,000 | 6,612,000 |
| Noninterest income | 72,000 | 2,000 | 264,000 | 408,000 |
| Noninterest expense | 938,000 | 1,874,000 | 2,775,000 | 3,730,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 623,000 | 1,295,000 | 2,368,000 | 3,299,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 623,000 | 1,295,000 | 2,368,000 | 3,299,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,776,000 | 17,736,000 | 18,818,000 | 19,739,000 |
| Total capital | 19,340,000 | 19,264,000 | 20,466,000 | 21,473,000 |
| Risk-weighted assets | 124,717,000 | 121,808,000 | 131,482,000 | 138,497,000 |