Call reports 2011
FLORA SAVINGS BANK — 2011
What FLORA SAVINGS BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 30,748,000 | 29,954,000 | 29,741,000 | 30,081,000 |
| Total loans | 21,157,000 | 20,658,000 | 21,668,000 | 21,430,000 |
| Allowance for loan losses | 189,000 | 194,000 | 194,000 | 162,000 |
| Securities available for sale | 68,000 | 70,000 | 72,000 | 72,000 |
| Securities held to maturity | 3,287,000 | 3,509,000 | 3,251,000 | 2,711,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 27,607,000 | 26,766,000 | 26,547,000 | 27,173,000 |
| Interest-bearing deposits | 26,632,000 | 25,860,000 | 25,805,000 | 26,390,000 |
| Noninterest-bearing deposits | 975,000 | 906,000 | 742,000 | 783,000 |
| Equity capital | 3,089,000 | 3,123,000 | 3,142,000 | 2,861,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 352,000 | 706,000 | 1,063,000 | 1,412,000 |
| Interest expense | 153,000 | 297,000 | 436,000 | 569,000 |
| Net interest income | 199,000 | 409,000 | 627,000 | 843,000 |
| Noninterest income | 18,000 | 40,000 | 60,000 | 78,000 |
| Noninterest expense | 209,000 | 409,000 | 622,000 | 799,000 |
| Provision for loan losses | 0 | 5,000 | 5,000 | 369,000 |
| Pretax income | 8,000 | 35,000 | 60,000 | -247,000 |
| Income tax | -6,000 | -12,000 | -6,000 | -33,000 |
| Net income | 14,000 | 47,000 | 66,000 | -214,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,085,000 | 3,123,000 | 3,142,000 | 2,861,000 |
| Total capital | 3,276,000 | 3,320,000 | 3,340,000 | 3,027,000 |
| Risk-weighted assets | 18,145,000 | 17,480,000 | 18,401,000 | 18,160,000 |