Call reports 2004
FLORA BANK & TRUST — 2004
What FLORA BANK & TRUST reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 74,182,000 | 74,935,000 | 69,773,000 | 64,077,000 |
| Total loans | 54,656,000 | 52,392,000 | 48,940,000 | 44,524,000 |
| Allowance for loan losses | 401,000 | 765,000 | 1,067,000 | 739,000 |
| Securities available for sale | 7,407,000 | 6,896,000 | 4,843,000 | 4,408,000 |
| Securities held to maturity | 150,000 | 150,000 | 150,000 | 150,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 65,312,000 | 66,703,000 | 63,801,000 | 59,011,000 |
| Interest-bearing deposits | 58,354,000 | 59,436,000 | 57,532,000 | 51,983,000 |
| Noninterest-bearing deposits | 6,958,000 | 7,267,000 | 6,269,000 | 7,028,000 |
| Equity capital | 5,494,000 | 4,963,000 | 4,692,000 | 4,831,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 940,000 | 1,868,000 | 2,769,000 | 3,638,000 |
| Interest expense | 357,000 | 701,000 | 1,050,000 | 1,356,000 |
| Net interest income | 583,000 | 1,167,000 | 1,719,000 | 2,282,000 |
| Noninterest income | 91,000 | 177,000 | 269,000 | 347,000 |
| Noninterest expense | 517,000 | 1,002,000 | 1,586,000 | 2,138,000 |
| Provision for loan losses | 40,000 | 746,000 | 1,335,000 | 1,400,000 |
| Pretax income | 117,000 | -404,000 | -888,000 | -828,000 |
| Income tax | 22,000 | -60,000 | -287,000 | -407,000 |
| Net income | 95,000 | -344,000 | -601,000 | -421,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,350,000 | 4,885,000 | 4,628,000 | 4,808,000 |
| Total capital | 5,751,000 | 5,522,000 | 5,215,000 | 5,344,000 |
| Risk-weighted assets | 52,024,000 | 50,822,000 | 46,440,000 | 42,634,000 |