Call reports 2005
FLORA BANK & TRUST — 2005
What FLORA BANK & TRUST reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 66,820,000 | 65,800,000 | 66,807,000 | 65,522,000 |
| Total loans | 40,703,000 | 39,079,000 | 37,768,000 | 37,096,000 |
| Allowance for loan losses | 755,000 | 751,000 | 692,000 | 623,000 |
| Securities available for sale | 5,061,000 | 11,433,000 | 17,664,000 | 17,695,000 |
| Securities held to maturity | 150,000 | 150,000 | 150,000 | 150,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 61,726,000 | 60,478,000 | 61,403,000 | 60,129,000 |
| Interest-bearing deposits | 55,405,000 | 53,956,000 | 54,821,000 | 53,604,000 |
| Noninterest-bearing deposits | 6,321,000 | 6,522,000 | 6,582,000 | 6,525,000 |
| Equity capital | 4,893,000 | 5,002,000 | 5,065,000 | 5,062,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 824,000 | 1,671,000 | 2,526,000 | 3,389,000 |
| Interest expense | 288,000 | 605,000 | 933,000 | 1,297,000 |
| Net interest income | 536,000 | 1,066,000 | 1,593,000 | 2,092,000 |
| Noninterest income | 70,000 | 143,000 | 219,000 | 269,000 |
| Noninterest expense | 449,000 | 916,000 | 1,395,000 | 1,912,000 |
| Provision for loan losses | 30,000 | 40,000 | 40,000 | 50,000 |
| Pretax income | 127,000 | 253,000 | 377,000 | 399,000 |
| Income tax | 41,000 | 77,000 | 107,000 | 97,000 |
| Net income | 86,000 | 176,000 | 270,000 | 302,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,895,000 | 4,985,000 | 5,078,000 | 5,111,000 |
| Total capital | 5,398,000 | 5,467,000 | 5,557,000 | 5,583,000 |
| Risk-weighted assets | 40,026,000 | 38,276,000 | 38,071,000 | 37,587,000 |
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