Call reports 2010
FLORA SAVINGS BANK — 2010
What FLORA SAVINGS BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 29,216,000 | 29,446,000 | 29,215,000 | 29,151,000 |
| Total loans | 20,168,000 | 21,011,000 | 21,700,000 | 21,965,000 |
| Allowance for loan losses | 168,000 | 226,000 | 226,000 | 209,000 |
| Securities available for sale | 65,000 | 69,000 | 70,000 | 69,000 |
| Securities held to maturity | 2,780,000 | 3,075,000 | 2,886,000 | 2,697,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 26,034,000 | 26,254,000 | 26,025,000 | 26,016,000 |
| Interest-bearing deposits | 25,380,000 | 25,654,000 | 25,406,000 | 25,213,000 |
| Noninterest-bearing deposits | 654,000 | 599,000 | 619,000 | 803,000 |
| Equity capital | 3,109,000 | 3,096,000 | 3,104,000 | 3,075,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 376,000 | 750,000 | 1,128,000 | 1,506,000 |
| Interest expense | 184,000 | 368,000 | 546,000 | 713,000 |
| Net interest income | 192,000 | 382,000 | 582,000 | 793,000 |
| Noninterest income | 17,000 | 35,000 | 56,000 | 73,000 |
| Noninterest expense | 186,000 | 374,000 | 585,000 | 774,000 |
| Provision for loan losses | 10,000 | 70,000 | 70,000 | 135,000 |
| Pretax income | 13,000 | -27,000 | -17,000 | -43,000 |
| Income tax | 2,000 | -21,000 | -19,000 | -16,000 |
| Net income | 11,000 | -6,000 | 2,000 | -27,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,109,000 | 3,092,000 | 3,100,000 | 3,071,000 |
| Total capital | 3,277,000 | 3,320,000 | 3,329,000 | 3,282,000 |
| Risk-weighted assets | 17,648,000 | 18,077,000 | 18,369,000 | 18,683,000 |