Call reports 2008
FLORA SAVINGS BANK — 2008
What FLORA SAVINGS BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 26,661,000 | 27,042,000 | 26,553,000 | 26,661,000 |
| Total loans | 18,867,000 | 18,071,000 | 18,706,000 | 20,479,000 |
| Allowance for loan losses | 177,000 | 177,000 | 177,000 | 164,000 |
| Securities available for sale | 66,000 | 64,000 | 64,000 | 65,000 |
| Securities held to maturity | 2,348,000 | 2,623,000 | 2,993,000 | 3,142,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 23,533,000 | 23,885,000 | 23,391,000 | 23,539,000 |
| Interest-bearing deposits | 22,993,000 | 23,287,000 | 22,879,000 | 22,872,000 |
| Noninterest-bearing deposits | 540,000 | 598,000 | 512,000 | 667,000 |
| Equity capital | 3,039,000 | 3,025,000 | 3,011,000 | 3,029,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 404,000 | 786,000 | 1,169,000 | 1,566,000 |
| Interest expense | 232,000 | 460,000 | 681,000 | 896,000 |
| Net interest income | 172,000 | 326,000 | 488,000 | 670,000 |
| Noninterest income | 19,000 | 42,000 | 66,000 | 82,000 |
| Noninterest expense | 166,000 | 364,000 | 562,000 | 741,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 25,000 | 4,000 | -8,000 | 11,000 |
| Income tax | 5,000 | -1,000 | 1,000 | 2,000 |
| Net income | 20,000 | 5,000 | -9,000 | 9,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,039,000 | 3,025,000 | 3,011,000 | 3,029,000 |
| Total capital | 3,216,000 | 3,202,000 | 3,188,000 | 3,193,000 |
| Risk-weighted assets | 16,151,000 | 15,653,000 | 16,097,000 | 18,028,000 |