Call reports 2005
FLINT RIVER NATIONAL BANK — 2005
What FLINT RIVER NATIONAL 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 | 13,677,000 | 16,650,000 | 19,100,000 | 18,326,000 |
| Total loans | 9,635,000 | 11,273,000 | 13,777,000 | 13,317,000 |
| Allowance for loan losses | 96,000 | 139,000 | 171,000 | 172,000 |
| Securities available for sale | 1,828,000 | 1,774,000 | 2,137,000 | 2,525,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 8,725,000 | 11,614,000 | 13,910,000 | 13,129,000 |
| Interest-bearing deposits | 7,931,000 | 10,859,000 | 11,830,000 | 12,021,000 |
| Noninterest-bearing deposits | 794,000 | 755,000 | 2,080,000 | 1,108,000 |
| Equity capital | 4,156,000 | 4,019,000 | 4,154,000 | 4,016,000 |
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 | 147,000 | 368,000 | 633,000 | 930,000 |
| Interest expense | 32,000 | 95,000 | 189,000 | 305,000 |
| Net interest income | 115,000 | 273,000 | 444,000 | 625,000 |
| Noninterest income | 7,000 | 16,000 | 31,000 | 57,000 |
| Noninterest expense | 261,000 | 541,000 | 838,000 | 1,158,000 |
| Provision for loan losses | 49,000 | 93,000 | 127,000 | 127,000 |
| Pretax income | -188,000 | -345,000 | -490,000 | -603,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -188,000 | -345,000 | -490,000 | -603,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,200,000 | 4,043,000 | 4,110,000 | 4,085,000 |
| Total capital | 4,296,000 | 4,182,000 | 4,281,000 | 4,257,000 |
| Risk-weighted assets | 10,718,000 | 13,217,000 | 15,081,000 | 15,425,000 |