Call reports 2004
FLORA SAVINGS BANK — 2004
What FLORA SAVINGS BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 26,796,000 | 27,801,000 | 27,953,000 | 27,809,000 |
| Total loans | 18,813,000 | 19,527,000 | 19,996,000 | 19,853,000 |
| Allowance for loan losses | 168,000 | 171,000 | 148,000 | 168,000 |
| Securities available for sale | 79,000 | 74,000 | 73,000 | 73,000 |
| Securities held to maturity | 3,099,000 | 3,351,000 | 3,335,000 | 3,219,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 24,188,000 | 25,148,000 | 25,297,000 | 25,145,000 |
| Interest-bearing deposits | 23,583,000 | 24,542,000 | 24,627,000 | 24,642,000 |
| Noninterest-bearing deposits | 605,000 | 606,000 | 670,000 | 503,000 |
| Equity capital | 2,555,000 | 2,589,000 | 2,597,000 | 2,603,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 366,000 | 746,000 | 1,126,000 | 1,514,000 |
| Interest expense | 178,000 | 362,000 | 546,000 | 734,000 |
| Net interest income | 188,000 | 384,000 | 580,000 | 780,000 |
| Noninterest income | 13,000 | 24,000 | 34,000 | 45,000 |
| Noninterest expense | 156,000 | 316,000 | 502,000 | 685,000 |
| Provision for loan losses | 0 | 10,000 | 10,000 | 30,000 |
| Pretax income | 45,000 | 82,000 | 102,000 | 110,000 |
| Income tax | 4,000 | 5,000 | 17,000 | 19,000 |
| Net income | 41,000 | 77,000 | 85,000 | 91,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,555,000 | 2,589,000 | 2,597,000 | 2,603,000 |
| Total capital | 2,725,000 | 2,760,000 | 2,745,000 | 2,771,000 |
| Risk-weighted assets | 16,587,000 | 17,208,000 | 16,171,000 | 16,176,000 |
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