Call reports 2001
FLORA BANK & TRUST — 2001
What FLORA BANK & TRUST reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 52,390,000 | 55,461,000 | 53,829,000 | 56,342,000 |
| Total loans | 35,941,000 | 38,409,000 | 38,650,000 | 40,501,000 |
| Allowance for loan losses | 377,000 | 423,000 | 426,000 | 431,000 |
| Securities available for sale | 10,752,000 | 10,674,000 | 11,504,000 | 11,033,000 |
| Securities held to maturity | 0 | 0 | 150,000 | 150,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 48,044,000 | 51,076,000 | 48,220,000 | 49,134,000 |
| Interest-bearing deposits | 43,205,000 | 45,314,000 | 43,276,000 | 43,191,000 |
| Noninterest-bearing deposits | 4,839,000 | 5,762,000 | 4,944,000 | 5,943,000 |
| Equity capital | 3,901,000 | 3,833,000 | 4,051,000 | 4,140,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 976,000 | 1,958,000 | 2,916,000 | 3,875,000 |
| Interest expense | 533,000 | 1,012,000 | 1,449,000 | 1,804,000 |
| Net interest income | 443,000 | 946,000 | 1,467,000 | 2,071,000 |
| Noninterest income | 77,000 | 168,000 | 249,000 | 338,000 |
| Noninterest expense | 371,000 | 729,000 | 1,107,000 | 1,508,000 |
| Provision for loan losses | 22,000 | 345,000 | 368,000 | 390,000 |
| Pretax income | 127,000 | 41,000 | 242,000 | 512,000 |
| Income tax | 25,000 | -11,000 | 12,000 | 100,000 |
| Net income | 102,000 | 52,000 | 230,000 | 412,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,740,000 | 3,665,000 | 3,818,000 | 4,041,000 |
| Total capital | 4,117,000 | 4,088,000 | 4,244,000 | 4,472,000 |
| Risk-weighted assets | 36,237,000 | 38,237,000 | 38,409,000 | 40,038,000 |
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