Call reports 2008
FLINT RIVER NATIONAL BANK — 2008
What FLINT RIVER NATIONAL BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 30,421,000 | 34,173,000 | 34,563,000 | 32,426,000 |
| Total loans | 23,055,000 | 26,330,000 | 25,702,000 | 25,778,000 |
| Allowance for loan losses | 310,000 | 317,000 | 326,000 | 324,000 |
| Securities available for sale | 2,896,000 | 2,660,000 | 2,596,000 | 2,550,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 24,546,000 | 28,415,000 | 28,591,000 | 26,424,000 |
| Interest-bearing deposits | 22,117,000 | 26,210,000 | 26,398,000 | 23,706,000 |
| Noninterest-bearing deposits | 2,429,000 | 2,205,000 | 2,193,000 | 2,718,000 |
| Equity capital | 3,692,000 | 3,575,000 | 3,766,000 | 3,845,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 509,000 | 983,000 | 1,496,000 | 1,973,000 |
| Interest expense | 249,000 | 465,000 | 715,000 | 916,000 |
| Net interest income | 260,000 | 518,000 | 781,000 | 1,057,000 |
| Noninterest income | 29,000 | 58,000 | 89,000 | 122,000 |
| Noninterest expense | 335,000 | 641,000 | 999,000 | 1,284,000 |
| Provision for loan losses | 0 | 17,000 | 17,000 | 17,000 |
| Pretax income | -46,000 | -82,000 | -146,000 | -122,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -46,000 | -82,000 | -146,000 | -122,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,662,000 | 3,626,000 | 3,762,000 | 3,786,000 |
| Total capital | 3,965,000 | 3,943,000 | 4,088,000 | 4,110,000 |
| Risk-weighted assets | 23,629,000 | 26,711,000 | 26,817,000 | 26,803,000 |