Call reports 2012
FLINT RIVER NATIONAL BANK — 2012
What FLINT RIVER NATIONAL BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 28,518,000 | 25,832,000 | 23,484,000 | 29,744,000 |
| Total loans | 17,841,000 | 18,790,000 | 17,779,000 | 15,711,000 |
| Allowance for loan losses | 317,000 | 500,000 | 500,000 | 468,000 |
| Securities available for sale | 581,000 | 508,000 | 455,000 | 398,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 25,656,000 | 23,709,000 | 21,384,000 | 27,885,000 |
| Interest-bearing deposits | 21,930,000 | 21,050,000 | 18,569,000 | 17,847,000 |
| Noninterest-bearing deposits | 3,726,000 | 2,659,000 | 2,815,000 | 10,038,000 |
| Equity capital | 2,783,000 | 2,055,000 | 1,888,000 | 1,773,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 264,000 | 532,000 | 746,000 | 1,014,000 |
| Interest expense | 50,000 | 100,000 | 147,000 | 185,000 |
| Net interest income | 214,000 | 432,000 | 599,000 | 829,000 |
| Noninterest income | 20,000 | 6,000 | 62,000 | 81,000 |
| Noninterest expense | 232,000 | 552,000 | 943,000 | 1,299,000 |
| Provision for loan losses | 0 | 606,000 | 606,000 | 606,000 |
| Pretax income | 2,000 | -720,000 | -888,000 | -995,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 2,000 | -720,000 | -888,000 | -995,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,740,000 | 2,019,000 | 1,852,000 | 1,744,000 |
| Total capital | 2,986,000 | 2,261,000 | 2,082,000 | 1,959,000 |
| Risk-weighted assets | 18,880,000 | 18,376,000 | 17,476,000 | 16,974,000 |