Call reports 2014
FLORA SAVINGS BANK — 2014
What FLORA SAVINGS BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 29,539,000 | 28,969,000 | 28,630,000 | 28,598,000 |
| Total loans | 18,628,000 | 19,072,000 | 20,026,000 | 19,720,000 |
| Allowance for loan losses | 136,000 | 119,000 | 124,000 | 125,000 |
| Securities available for sale | 67,000 | 68,000 | 68,000 | 68,000 |
| Securities held to maturity | 3,975,000 | 4,063,000 | 4,184,000 | 3,820,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 26,459,000 | 25,859,000 | 25,521,000 | 25,450,000 |
| Interest-bearing deposits | 23,152,000 | 22,833,000 | 22,313,000 | 22,105,000 |
| Noninterest-bearing deposits | 3,307,000 | 3,026,000 | 3,208,000 | 3,345,000 |
| Equity capital | 3,027,000 | 3,039,000 | 3,049,000 | 3,087,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 307,000 | 608,000 | 913,000 | 1,222,000 |
| Interest expense | 77,000 | 163,000 | 241,000 | 317,000 |
| Net interest income | 230,000 | 445,000 | 672,000 | 905,000 |
| Noninterest income | 15,000 | 36,000 | 53,000 | 69,000 |
| Noninterest expense | 208,000 | 436,000 | 660,000 | 868,000 |
| Provision for loan losses | 0 | 0 | 6,000 | 6,000 |
| Pretax income | 37,000 | 45,000 | 59,000 | 100,000 |
| Income tax | 1,000 | -2,000 | 1,000 | 4,000 |
| Net income | 36,000 | 47,000 | 58,000 | 96,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,027,000 | 3,039,000 | 3,049,000 | 3,087,000 |
| Total capital | 3,165,000 | 3,160,000 | 3,175,000 | 3,215,000 |
| Risk-weighted assets | 16,083,000 | 16,228,000 | 16,762,000 | 16,617,000 |