Call reports 2018
FLORA SAVINGS BANK — 2018
What FLORA SAVINGS BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 |
|---|---|---|---|
| Total assets | 30,370,000 | 29,658,000 | 28,663,000 |
| Total loans | 19,489,000 | 19,375,000 | 19,443,000 |
| Allowance for loan losses | 162,000 | 160,000 | 156,000 |
| Securities available for sale | 65,000 | 64,000 | 63,000 |
| Securities held to maturity | 7,358,000 | 7,141,000 | 6,898,000 |
| Trading assets | 0 | 0 | 0 |
| Total deposits | 26,758,000 | 26,002,000 | 24,953,000 |
| Interest-bearing deposits | 23,042,000 | 22,188,000 | 21,743,000 |
| Noninterest-bearing deposits | 3,716,000 | 3,814,000 | 3,210,000 |
| Equity capital | 3,545,000 | 3,584,000 | 3,644,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 |
|---|---|---|---|
| Interest income | 313,000 | 626,000 | 946,000 |
| Interest expense | 69,000 | 139,000 | 209,000 |
| Net interest income | 244,000 | 487,000 | 737,000 |
| Noninterest income | -8,000 | -1,000 | 14,000 |
| Noninterest expense | 184,000 | 384,000 | 583,000 |
| Provision for loan losses | 30,000 | 30,000 | 30,000 |
| Pretax income | 22,000 | 72,000 | 138,000 |
| Income tax | 6,000 | 16,000 | 22,000 |
| Net income | 16,000 | 56,000 | 116,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 |
|---|---|---|---|
| Tier 1 capital | 3,526,000 | 3,573,000 | 3,633,000 |
| Total capital | 3,688,000 | 3,733,000 | 3,789,000 |
| Risk-weighted assets | 17,334,000 | 17,090,000 | 16,818,000 |