Call reports 2003
FLORA SAVINGS BANK — 2003
What FLORA SAVINGS BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 25,703,000 | 25,663,000 | 25,806,000 | 26,343,000 |
| Total loans | 18,215,000 | 18,546,000 | 18,930,000 | 18,994,000 |
| Allowance for loan losses | 120,000 | 126,000 | 126,000 | 190,000 |
| Securities available for sale | 87,000 | 85,000 | 82,000 | 80,000 |
| Securities held to maturity | 2,705,000 | 2,766,000 | 2,432,000 | 2,484,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 23,122,000 | 23,041,000 | 23,209,000 | 23,774,000 |
| Interest-bearing deposits | 22,270,000 | 22,389,000 | 22,599,000 | 23,247,000 |
| Noninterest-bearing deposits | 852,000 | 652,000 | 610,000 | 527,000 |
| Equity capital | 2,496,000 | 2,517,000 | 2,535,000 | 2,514,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 391,000 | 774,000 | 1,145,000 | 1,523,000 |
| Interest expense | 186,000 | 376,000 | 556,000 | 744,000 |
| Net interest income | 205,000 | 398,000 | 589,000 | 779,000 |
| Noninterest income | 11,000 | 23,000 | 35,000 | 45,000 |
| Noninterest expense | 143,000 | 292,000 | 462,000 | 626,000 |
| Provision for loan losses | 0 | 9,000 | 9,000 | 73,000 |
| Pretax income | 73,000 | 120,000 | 153,000 | 125,000 |
| Income tax | 19,000 | 43,000 | 58,000 | 51,000 |
| Net income | 54,000 | 77,000 | 95,000 | 74,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,491,000 | 2,514,000 | 2,532,000 | 2,514,000 |
| Total capital | 2,613,000 | 2,642,000 | 2,660,000 | 2,706,000 |
| Risk-weighted assets | 14,753,000 | 15,540,000 | 15,204,000 | 16,584,000 |
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