Call reports 2017
FLORA SAVINGS BANK — 2017
What FLORA SAVINGS BANK reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 29,937,000 | 30,500,000 | 30,334,000 | 30,170,000 |
| Total loans | 18,677,000 | 18,868,000 | 19,371,000 | 19,952,000 |
| Allowance for loan losses | 116,000 | 126,000 | 124,000 | 132,000 |
| Securities available for sale | 66,000 | 66,000 | 66,000 | 66,000 |
| Securities held to maturity | 7,354,000 | 7,888,000 | 7,818,000 | 7,584,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 26,448,000 | 26,995,000 | 26,351,000 | 26,585,000 |
| Interest-bearing deposits | 23,018,000 | 23,293,000 | 22,873,000 | 23,077,000 |
| Noninterest-bearing deposits | 3,430,000 | 3,702,000 | 3,478,000 | 3,508,000 |
| Equity capital | 3,414,000 | 3,422,000 | 3,430,000 | 3,529,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 293,000 | 599,000 | 917,000 | 1,264,000 |
| Interest expense | 63,000 | 128,000 | 196,000 | 265,000 |
| Net interest income | 230,000 | 471,000 | 721,000 | 999,000 |
| Noninterest income | -1,000 | -4,000 | -5,000 | 24,000 |
| Noninterest expense | 197,000 | 424,000 | 659,000 | 859,000 |
| Provision for loan losses | 0 | 20,000 | 20,000 | 30,000 |
| Pretax income | 32,000 | 23,000 | 37,000 | 134,000 |
| Income tax | 9,000 | -8,000 | -2,000 | -4,000 |
| Net income | 23,000 | 31,000 | 39,000 | 138,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,371,000 | 3,403,000 | 3,411,000 | 3,510,000 |
| Total capital | 3,487,000 | 3,529,000 | 3,535,000 | 3,642,000 |
| Risk-weighted assets | 16,887,000 | 16,969,000 | 17,066,000 | 17,421,000 |