Call reports 2007
FLORA SAVINGS BANK — 2007
What FLORA SAVINGS BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 26,167,000 | 26,025,000 | 26,068,000 | 26,556,000 |
| Total loans | 19,108,000 | 18,808,000 | 19,334,000 | 19,658,000 |
| Allowance for loan losses | 192,000 | 199,000 | 193,000 | 180,000 |
| Securities available for sale | 66,000 | 65,000 | 65,000 | 66,000 |
| Securities held to maturity | 2,688,000 | 2,877,000 | 2,750,000 | 2,542,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 23,095,000 | 22,873,000 | 22,911,000 | 23,416,000 |
| Interest-bearing deposits | 22,411,000 | 22,329,000 | 22,448,000 | 22,870,000 |
| Noninterest-bearing deposits | 684,000 | 544,000 | 463,000 | 546,000 |
| Equity capital | 2,943,000 | 2,992,000 | 3,003,000 | 3,019,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 406,000 | 822,000 | 1,236,000 | 1,657,000 |
| Interest expense | 214,000 | 440,000 | 669,000 | 907,000 |
| Net interest income | 192,000 | 382,000 | 567,000 | 750,000 |
| Noninterest income | 19,000 | 41,000 | 60,000 | 78,000 |
| Noninterest expense | 166,000 | 338,000 | 526,000 | 704,000 |
| Provision for loan losses | 0 | 0 | 0 | 10,000 |
| Pretax income | 45,000 | 85,000 | 101,000 | 114,000 |
| Income tax | 9,000 | 0 | 5,000 | 2,000 |
| Net income | 36,000 | 85,000 | 96,000 | 112,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,943,000 | 2,992,000 | 3,003,000 | 3,019,000 |
| Total capital | 3,135,000 | 3,188,000 | 3,196,000 | 3,199,000 |
| Risk-weighted assets | 15,943,000 | 15,696,000 | 16,154,000 | 16,706,000 |