Call reports 2002
FLORA BANK & TRUST — 2002
What FLORA BANK & TRUST reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 57,360,000 | 66,712,000 | 68,118,000 | 69,219,000 |
| Total loans | 43,453,000 | 45,944,000 | 48,961,000 | 51,248,000 |
| Allowance for loan losses | 473,000 | 464,000 | 430,000 | 537,000 |
| Securities available for sale | 9,882,000 | 9,625,000 | 9,883,000 | 8,801,000 |
| Securities held to maturity | 150,000 | 150,000 | 150,000 | 150,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 49,279,000 | 58,644,000 | 59,746,000 | 60,870,000 |
| Interest-bearing deposits | 43,370,000 | 52,480,000 | 53,566,000 | 54,175,000 |
| Noninterest-bearing deposits | 5,909,000 | 6,164,000 | 6,180,000 | 6,695,000 |
| Equity capital | 4,155,000 | 4,295,000 | 4,470,000 | 4,464,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 930,000 | 1,875,000 | 2,868,000 | 3,868,000 |
| Interest expense | 320,000 | 651,000 | 1,045,000 | 1,410,000 |
| Net interest income | 610,000 | 1,224,000 | 1,823,000 | 2,458,000 |
| Noninterest income | 92,000 | 188,000 | 281,000 | 376,000 |
| Noninterest expense | 406,000 | 846,000 | 1,271,000 | 1,743,000 |
| Provision for loan losses | 63,000 | 160,000 | 198,000 | 347,000 |
| Pretax income | 244,000 | 417,000 | 646,000 | 755,000 |
| Income tax | 67,000 | 107,000 | 174,000 | 193,000 |
| Net income | 177,000 | 310,000 | 472,000 | 562,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,043,000 | 4,151,000 | 4,288,000 | 4,353,000 |
| Total capital | 4,516,000 | 4,615,000 | 4,718,000 | 4,890,000 |
| Risk-weighted assets | 41,876,000 | 45,579,000 | 47,150,000 | 48,592,000 |
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