Call reports 2006
FLINT RIVER NATIONAL BANK — 2006
What FLINT RIVER NATIONAL 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 | 22,121,000 | 25,259,000 | 29,847,000 | 33,027,000 |
| Total loans | 16,024,000 | 18,921,000 | 23,496,000 | 22,384,000 |
| Allowance for loan losses | 202,000 | 235,000 | 299,000 | 314,000 |
| Securities available for sale | 3,493,000 | 3,366,000 | 3,300,000 | 4,683,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 17,124,000 | 18,326,000 | 21,896,000 | 26,485,000 |
| Interest-bearing deposits | 15,406,000 | 17,001,000 | 20,790,000 | 25,302,000 |
| Noninterest-bearing deposits | 1,718,000 | 1,325,000 | 1,106,000 | 1,183,000 |
| Equity capital | 3,881,000 | 3,771,000 | 3,795,000 | 3,808,000 |
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 | 345,000 | 759,000 | 1,255,000 | 1,854,000 |
| Interest expense | 123,000 | 291,000 | 531,000 | 848,000 |
| Net interest income | 222,000 | 468,000 | 724,000 | 1,006,000 |
| Noninterest income | 19,000 | 47,000 | 83,000 | 113,000 |
| Noninterest expense | 312,000 | 618,000 | 893,000 | 1,188,000 |
| Provision for loan losses | 29,000 | 64,000 | 127,000 | 142,000 |
| Pretax income | -100,000 | -167,000 | -213,000 | -211,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -100,000 | -167,000 | -213,000 | -211,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,985,000 | 3,902,000 | 3,873,000 | 3,874,000 |
| Total capital | 4,187,000 | 4,137,000 | 4,172,000 | 4,188,000 |
| Risk-weighted assets | 17,915,000 | 21,565,000 | 25,068,000 | 26,067,000 |