Call reports 2010
FLINT RIVER NATIONAL BANK — 2010
What FLINT RIVER NATIONAL BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 30,462,000 | 29,356,000 | 28,296,000 | 30,815,000 |
| Total loans | 19,714,000 | 20,795,000 | 20,304,000 | 20,802,000 |
| Allowance for loan losses | 432,000 | 449,000 | 449,000 | 454,000 |
| Securities available for sale | 1,687,000 | 1,555,000 | 1,393,000 | 1,245,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 25,019,000 | 26,168,000 | 25,178,000 | 27,732,000 |
| Interest-bearing deposits | 23,285,000 | 24,502,000 | 23,580,000 | 25,461,000 |
| Noninterest-bearing deposits | 1,734,000 | 1,666,000 | 1,598,000 | 2,271,000 |
| Equity capital | 3,308,000 | 3,159,000 | 3,087,000 | 3,056,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 316,000 | 633,000 | 951,000 | 1,310,000 |
| Interest expense | 91,000 | 185,000 | 268,000 | 350,000 |
| Net interest income | 225,000 | 448,000 | 683,000 | 960,000 |
| Noninterest income | -1,000 | -38,000 | 31,000 | 46,000 |
| Noninterest expense | 268,000 | 537,000 | 903,000 | 1,221,000 |
| Provision for loan losses | 35,000 | 97,000 | 97,000 | 97,000 |
| Pretax income | -79,000 | -224,000 | -286,000 | -312,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -79,000 | -224,000 | -286,000 | -312,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,223,000 | 3,077,000 | 3,015,000 | 2,990,000 |
| Total capital | 3,523,000 | 3,371,000 | 3,301,000 | 3,280,000 |
| Risk-weighted assets | 23,100,000 | 22,614,000 | 22,048,000 | 22,287,000 |