Call reports 2007
FLORA BANK & TRUST — 2007
What FLORA BANK & TRUST reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 60,447,000 | 58,572,000 | 58,843,000 | 55,884,000 |
| Total loans | 33,398,000 | 32,937,000 | 33,978,000 | 36,766,000 |
| Allowance for loan losses | 533,000 | 532,000 | 530,000 | 567,000 |
| Securities available for sale | 16,853,000 | 18,219,000 | 16,604,000 | 15,180,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 52,924,000 | 50,917,000 | 51,003,000 | 46,069,000 |
| Interest-bearing deposits | 45,345,000 | 44,033,000 | 43,298,000 | 39,541,000 |
| Noninterest-bearing deposits | 7,579,000 | 6,884,000 | 7,705,000 | 6,528,000 |
| Equity capital | 5,241,000 | 5,287,000 | 5,482,000 | 5,669,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 889,000 | 1,772,000 | 2,641,000 | 3,497,000 |
| Interest expense | 391,000 | 776,000 | 1,156,000 | 1,521,000 |
| Net interest income | 498,000 | 996,000 | 1,485,000 | 1,976,000 |
| Noninterest income | 63,000 | 152,000 | 234,000 | 358,000 |
| Noninterest expense | 455,000 | 901,000 | 1,344,000 | 1,803,000 |
| Provision for loan losses | 15,000 | 15,000 | 15,000 | 4,000 |
| Pretax income | 91,000 | 232,000 | 360,000 | 527,000 |
| Income tax | 20,000 | 57,000 | 89,000 | 135,000 |
| Net income | 71,000 | 175,000 | 271,000 | 392,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,233,000 | 5,338,000 | 5,434,000 | 5,555,000 |
| Total capital | 5,664,000 | 5,759,000 | 5,865,000 | 6,008,000 |
| Risk-weighted assets | 34,342,000 | 33,566,000 | 34,398,000 | 36,104,000 |