Call reports 2016
FLORA SAVINGS BANK — 2016
What FLORA SAVINGS BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 30,147,000 | 29,768,000 | 29,492,000 | 29,997,000 |
| Total loans | 20,015,000 | 20,012,000 | 19,553,000 | 19,592,000 |
| Allowance for loan losses | 124,000 | 124,000 | 124,000 | 120,000 |
| Securities available for sale | 68,000 | 69,000 | 69,000 | 67,000 |
| Securities held to maturity | 6,322,000 | 6,649,000 | 6,893,000 | 7,099,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 26,245,000 | 26,384,000 | 26,055,000 | 26,542,000 |
| Interest-bearing deposits | 22,604,000 | 23,176,000 | 22,881,000 | 22,885,000 |
| Noninterest-bearing deposits | 3,641,000 | 3,208,000 | 3,174,000 | 3,657,000 |
| Equity capital | 3,332,000 | 3,313,000 | 3,351,000 | 3,391,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 314,000 | 622,000 | 935,000 | 1,238,000 |
| Interest expense | 66,000 | 132,000 | 197,000 | 262,000 |
| Net interest income | 248,000 | 490,000 | 738,000 | 976,000 |
| Noninterest income | 17,000 | -41,000 | -20,000 | -1,000 |
| Noninterest expense | 191,000 | 394,000 | 616,000 | 820,000 |
| Provision for loan losses | 0 | 0 | 0 | 5,000 |
| Pretax income | 74,000 | 55,000 | 102,000 | 150,000 |
| Income tax | 8,000 | 8,000 | 17,000 | 25,000 |
| Net income | 66,000 | 47,000 | 85,000 | 125,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,249,000 | 3,270,000 | 3,308,000 | 3,348,000 |
| Total capital | 3,373,000 | 3,394,000 | 3,432,000 | 3,468,000 |
| Risk-weighted assets | 17,091,000 | 17,197,000 | 17,128,000 | 17,306,000 |