Call reports 2007
FLINT RIVER NATIONAL BANK — 2007
What FLINT RIVER NATIONAL 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 | 33,128,000 | 32,806,000 | 34,127,000 | 34,138,000 |
| Total loans | 22,142,000 | 24,938,000 | 25,125,000 | 22,708,000 |
| Allowance for loan losses | 313,000 | 313,000 | 313,000 | 310,000 |
| Securities available for sale | 4,499,000 | 4,238,000 | 4,165,000 | 4,065,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 26,726,000 | 28,956,000 | 30,239,000 | 30,346,000 |
| Interest-bearing deposits | 24,836,000 | 27,385,000 | 27,967,000 | 25,611,000 |
| Noninterest-bearing deposits | 1,890,000 | 1,571,000 | 2,272,000 | 4,735,000 |
| Equity capital | 3,783,000 | 3,672,000 | 3,715,000 | 3,683,000 |
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 | 587,000 | 1,173,000 | 1,772,000 | 2,327,000 |
| Interest expense | 328,000 | 667,000 | 1,004,000 | 1,307,000 |
| Net interest income | 259,000 | 506,000 | 768,000 | 1,020,000 |
| Noninterest income | 36,000 | 71,000 | 109,000 | 146,000 |
| Noninterest expense | 335,000 | 655,000 | 962,000 | 1,319,000 |
| Provision for loan losses | 0 | 0 | 13,000 | 13,000 |
| Pretax income | -40,000 | -78,000 | -98,000 | -166,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -40,000 | -78,000 | -98,000 | -166,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,835,000 | 3,796,000 | 3,775,000 | 3,708,000 |
| Total capital | 4,148,000 | 4,109,000 | 4,088,000 | 4,018,000 |
| Risk-weighted assets | 25,096,000 | 26,750,000 | 26,873,000 | 25,373,000 |