Call reports 2009
FLORA SAVINGS BANK — 2009
What FLORA SAVINGS BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 28,474,000 | 28,269,000 | 27,966,000 | 28,761,000 |
| Total loans | 20,370,000 | 19,177,000 | 20,153,000 | 21,035,000 |
| Allowance for loan losses | 159,000 | 174,000 | 171,000 | 165,000 |
| Securities available for sale | 65,000 | 66,000 | 66,000 | 66,000 |
| Securities held to maturity | 3,725,000 | 3,478,000 | 3,461,000 | 3,059,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 25,342,000 | 25,110,000 | 24,807,000 | 25,580,000 |
| Interest-bearing deposits | 24,663,000 | 24,390,000 | 24,280,000 | 24,894,000 |
| Noninterest-bearing deposits | 679,000 | 720,000 | 527,000 | 686,000 |
| Equity capital | 3,061,000 | 3,065,000 | 3,076,000 | 3,098,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 382,000 | 765,000 | 1,147,000 | 1,532,000 |
| Interest expense | 193,000 | 382,000 | 573,000 | 761,000 |
| Net interest income | 189,000 | 383,000 | 574,000 | 771,000 |
| Noninterest income | 16,000 | 36,000 | 55,000 | 74,000 |
| Noninterest expense | 171,000 | 358,000 | 555,000 | 746,000 |
| Provision for loan losses | 0 | 30,000 | 30,000 | 30,000 |
| Pretax income | 34,000 | 31,000 | 44,000 | 69,000 |
| Income tax | 2,000 | -4,000 | -2,000 | 1,000 |
| Net income | 32,000 | 35,000 | 46,000 | 68,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,061,000 | 3,065,000 | 3,075,000 | 3,097,000 |
| Total capital | 3,220,000 | 3,239,000 | 3,246,000 | 3,262,000 |
| Risk-weighted assets | 19,354,000 | 16,683,000 | 17,069,000 | 18,173,000 |