Call reports 2015
FLORA SAVINGS BANK — 2015
What FLORA SAVINGS BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 28,705,000 | 28,832,000 | 28,226,000 | 28,844,000 |
| Total loans | 19,188,000 | 19,034,000 | 19,315,000 | 19,730,000 |
| Allowance for loan losses | 120,000 | 121,000 | 119,000 | 124,000 |
| Securities available for sale | 69,000 | 67,000 | 67,000 | 67,000 |
| Securities held to maturity | 4,089,000 | 5,209,000 | 5,885,000 | 5,932,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 25,546,000 | 25,613,000 | 24,989,000 | 25,520,000 |
| Interest-bearing deposits | 22,355,000 | 22,335,000 | 21,903,000 | 21,826,000 |
| Noninterest-bearing deposits | 3,191,000 | 3,278,000 | 3,086,000 | 3,694,000 |
| Equity capital | 3,094,000 | 3,145,000 | 3,188,000 | 3,266,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 296,000 | 598,000 | 907,000 | 1,234,000 |
| Interest expense | 73,000 | 145,000 | 217,000 | 286,000 |
| Net interest income | 223,000 | 453,000 | 690,000 | 948,000 |
| Noninterest income | 14,000 | 43,000 | 64,000 | 84,000 |
| Noninterest expense | 227,000 | 432,000 | 639,000 | 826,000 |
| Provision for loan losses | 0 | 0 | 0 | 5,000 |
| Pretax income | 10,000 | 64,000 | 116,000 | 202,000 |
| Income tax | 3,000 | 5,000 | 14,000 | 22,000 |
| Net income | 7,000 | 59,000 | 102,000 | 180,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,995,000 | 3,062,000 | 3,105,000 | 3,183,000 |
| Total capital | 3,115,000 | 3,183,000 | 3,224,000 | 3,307,000 |
| Risk-weighted assets | 16,383,000 | 16,372,000 | 16,500,000 | 17,021,000 |