Call reports 2003
FLORA BANK & TRUST — 2003
What FLORA BANK & TRUST reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 70,698,000 | 73,311,000 | 71,232,000 | 71,886,000 |
| Total loans | 51,943,000 | 52,562,000 | 54,193,000 | 55,836,000 |
| Allowance for loan losses | 501,000 | 474,000 | 475,000 | 455,000 |
| Securities available for sale | 8,571,000 | 8,558,000 | 8,285,000 | 7,620,000 |
| Securities held to maturity | 150,000 | 150,000 | 150,000 | 150,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 62,143,000 | 64,191,000 | 62,385,000 | 62,953,000 |
| Interest-bearing deposits | 55,350,000 | 57,713,000 | 56,002,000 | 56,269,000 |
| Noninterest-bearing deposits | 6,793,000 | 6,478,000 | 6,383,000 | 6,684,000 |
| Equity capital | 5,099,000 | 5,288,000 | 5,373,000 | 5,448,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 977,000 | 1,950,000 | 2,940,000 | 3,927,000 |
| Interest expense | 354,000 | 725,000 | 1,077,000 | 1,437,000 |
| Net interest income | 623,000 | 1,225,000 | 1,863,000 | 2,490,000 |
| Noninterest income | 93,000 | 195,000 | 291,000 | 393,000 |
| Noninterest expense | 497,000 | 986,000 | 1,444,000 | 1,929,000 |
| Provision for loan losses | 90,000 | 97,000 | 174,000 | 244,000 |
| Pretax income | 129,000 | 337,000 | 536,000 | 710,000 |
| Income tax | 32,000 | 95,000 | 153,000 | 203,000 |
| Net income | 97,000 | 242,000 | 383,000 | 507,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,974,000 | 5,095,000 | 5,211,000 | 5,310,000 |
| Total capital | 5,475,000 | 5,569,000 | 5,686,000 | 5,765,000 |
| Risk-weighted assets | 49,342,000 | 50,337,000 | 51,409,000 | 52,435,000 |