Call reports 2013
FLORA SAVINGS BANK — 2013
What FLORA SAVINGS BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 30,411,000 | 30,230,000 | 29,985,000 | 29,613,000 |
| Total loans | 20,111,000 | 18,852,000 | 19,036,000 | 19,427,000 |
| Allowance for loan losses | 158,000 | 131,000 | 115,000 | 136,000 |
| Securities available for sale | 70,000 | 68,000 | 68,000 | 67,000 |
| Securities held to maturity | 2,361,000 | 2,971,000 | 3,250,000 | 4,063,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 27,357,000 | 27,180,000 | 26,937,000 | 26,562,000 |
| Interest-bearing deposits | 23,581,000 | 23,416,000 | 23,356,000 | 23,362,000 |
| Noninterest-bearing deposits | 3,776,000 | 3,764,000 | 3,581,000 | 3,200,000 |
| Equity capital | 2,999,000 | 2,984,000 | 2,989,000 | 2,991,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 322,000 | 625,000 | 931,000 | 1,232,000 |
| Interest expense | 94,000 | 181,000 | 267,000 | 351,000 |
| Net interest income | 228,000 | 444,000 | 664,000 | 881,000 |
| Noninterest income | 15,000 | 38,000 | 58,000 | 76,000 |
| Noninterest expense | 224,000 | 452,000 | 676,000 | 883,000 |
| Provision for loan losses | 0 | 32,000 | 42,000 | 66,000 |
| Pretax income | 20,000 | -1,000 | 5,000 | 9,000 |
| Income tax | 0 | -9,000 | -8,000 | -6,000 |
| Net income | 20,000 | 8,000 | 13,000 | 15,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,999,000 | 2,984,000 | 2,989,000 | 2,991,000 |
| Total capital | 3,160,000 | 3,117,000 | 3,106,000 | 3,129,000 |
| Risk-weighted assets | 17,012,000 | 16,390,000 | 16,437,000 | 16,888,000 |