Call reports 2002
FLORA SAVINGS BANK — 2002
What FLORA SAVINGS BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 23,590,000 | 24,174,000 | 24,614,000 | 24,163,000 |
| Total loans | 17,502,000 | 17,958,000 | 18,599,000 | 18,496,000 |
| Allowance for loan losses | 113,000 | 130,000 | 129,000 | 143,000 |
| Securities available for sale | 96,000 | 93,000 | 93,000 | 88,000 |
| Securities held to maturity | 3,382,000 | 3,119,000 | 2,922,000 | 2,747,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 21,156,000 | 21,741,000 | 22,137,000 | 21,654,000 |
| Interest-bearing deposits | 20,358,000 | 21,051,000 | 21,389,000 | 21,132,000 |
| Noninterest-bearing deposits | 798,000 | 690,000 | 748,000 | 522,000 |
| Equity capital | 2,335,000 | 2,368,000 | 2,395,000 | 2,439,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 401,000 | 796,000 | 1,198,000 | 1,601,000 |
| Interest expense | 211,000 | 415,000 | 617,000 | 814,000 |
| Net interest income | 190,000 | 381,000 | 581,000 | 787,000 |
| Noninterest income | 8,000 | 20,000 | 31,000 | 42,000 |
| Noninterest expense | 145,000 | 275,000 | 442,000 | 592,000 |
| Provision for loan losses | 0 | 24,000 | 24,000 | 42,000 |
| Pretax income | 53,000 | 102,000 | 146,000 | 195,000 |
| Income tax | 11,000 | 29,000 | 46,000 | 51,000 |
| Net income | 42,000 | 73,000 | 100,000 | 144,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,334,000 | 2,366,000 | 2,395,000 | 2,437,000 |
| Total capital | 2,447,000 | 2,496,000 | 2,526,000 | 2,580,000 |
| Risk-weighted assets | 14,819,000 | 15,086,000 | 15,521,000 | 14,155,000 |
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