Call reports 2012
FLORA SAVINGS BANK — 2012
What FLORA SAVINGS BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 30,167,000 | 29,633,000 | 29,167,000 | 30,085,000 |
| Total loans | 20,918,000 | 21,167,000 | 21,377,000 | 20,799,000 |
| Allowance for loan losses | 166,000 | 168,000 | 166,000 | 167,000 |
| Securities available for sale | 72,000 | 71,000 | 73,000 | 70,000 |
| Securities held to maturity | 2,493,000 | 2,571,000 | 2,382,000 | 2,524,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 27,250,000 | 26,637,000 | 26,153,000 | 27,052,000 |
| Interest-bearing deposits | 26,308,000 | 25,937,000 | 25,278,000 | 25,725,000 |
| Noninterest-bearing deposits | 942,000 | 701,000 | 875,000 | 1,327,000 |
| Equity capital | 2,879,000 | 2,942,000 | 2,964,000 | 2,978,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 337,000 | 676,000 | 1,015,000 | 1,350,000 |
| Interest expense | 126,000 | 243,000 | 351,000 | 455,000 |
| Net interest income | 211,000 | 433,000 | 664,000 | 895,000 |
| Noninterest income | 16,000 | 33,000 | 50,000 | 66,000 |
| Noninterest expense | 199,000 | 405,000 | 622,000 | 842,000 |
| Provision for loan losses | 10,000 | 10,000 | 15,000 | 25,000 |
| Pretax income | 18,000 | 51,000 | 77,000 | 95,000 |
| Income tax | 0 | -28,000 | -24,000 | -20,000 |
| Net income | 18,000 | 79,000 | 101,000 | 115,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,879,000 | 2,942,000 | 2,964,000 | 2,978,000 |
| Total capital | 3,049,000 | 3,114,000 | 3,134,000 | 3,148,000 |
| Risk-weighted assets | 17,656,000 | 17,673,000 | 17,702,000 | 17,415,000 |