Call reports 2005
FLORA SAVINGS BANK — 2005
What FLORA SAVINGS BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 27,761,000 | 27,580,000 | 25,917,000 | 25,948,000 |
| Total loans | 20,154,000 | 19,974,000 | 19,711,000 | 19,995,000 |
| Allowance for loan losses | 296,000 | 265,000 | 213,000 | 212,000 |
| Securities available for sale | 72,000 | 72,000 | 72,000 | 71,000 |
| Securities held to maturity | 3,025,000 | 3,150,000 | 2,884,000 | 3,034,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 25,235,000 | 24,652,000 | 23,026,000 | 23,045,000 |
| Interest-bearing deposits | 24,614,000 | 24,026,000 | 22,474,000 | 22,297,000 |
| Noninterest-bearing deposits | 621,000 | 626,000 | 552,000 | 748,000 |
| Equity capital | 2,449,000 | 2,752,000 | 2,788,000 | 2,809,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 396,000 | 783,000 | 1,172,000 | 1,560,000 |
| Interest expense | 188,000 | 378,000 | 564,000 | 752,000 |
| Net interest income | 208,000 | 405,000 | 608,000 | 808,000 |
| Noninterest income | 11,000 | 369,000 | 58,000 | 417,000 |
| Noninterest expense | 208,000 | 398,000 | 583,000 | 761,000 |
| Provision for loan losses | 153,000 | 173,000 | 173,000 | 173,000 |
| Pretax income | -142,000 | 203,000 | 255,000 | 291,000 |
| Income tax | 12,000 | 55,000 | 71,000 | 86,000 |
| Net income | -154,000 | 148,000 | 184,000 | 205,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,449,000 | 2,752,000 | 2,788,000 | 2,809,000 |
| Total capital | 2,658,000 | 2,964,000 | 2,989,000 | 3,015,000 |
| Risk-weighted assets | 16,609,000 | 16,824,000 | 15,972,000 | 16,355,000 |
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