Call reports 2009
FLINT RIVER NATIONAL BANK — 2009
What FLINT RIVER NATIONAL BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 29,623,000 | 31,669,000 | 36,030,000 | 29,737,000 |
| Total loans | 23,628,000 | 25,609,000 | 24,135,000 | 21,732,000 |
| Allowance for loan losses | 324,000 | 468,000 | 716,000 | 397,000 |
| Securities available for sale | 2,365,000 | 2,172,000 | 2,017,000 | 1,853,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 23,600,000 | 25,682,000 | 30,188,000 | 24,014,000 |
| Interest-bearing deposits | 22,109,000 | 24,323,000 | 28,511,000 | 21,810,000 |
| Noninterest-bearing deposits | 1,491,000 | 1,358,000 | 1,677,000 | 2,204,000 |
| Equity capital | 3,861,000 | 3,815,000 | 3,680,000 | 3,389,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 405,000 | 790,000 | 1,134,000 | 1,479,000 |
| Interest expense | 147,000 | 272,000 | 388,000 | 502,000 |
| Net interest income | 258,000 | 518,000 | 746,000 | 977,000 |
| Noninterest income | 19,000 | 38,000 | 63,000 | 81,000 |
| Noninterest expense | 275,000 | 591,000 | 865,000 | 1,129,000 |
| Provision for loan losses | 0 | 150,000 | 489,000 | 761,000 |
| Pretax income | 2,000 | -185,000 | -545,000 | -832,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 2,000 | -185,000 | -545,000 | -832,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,785,000 | 3,749,000 | 3,588,000 | 3,302,000 |
| Total capital | 4,109,000 | 4,095,000 | 3,941,000 | 3,637,000 |
| Risk-weighted assets | 25,887,000 | 27,571,000 | 27,449,000 | 26,000,000 |