Call reports 2008
FLORA BANK & TRUST — 2008
What FLORA BANK & TRUST reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 54,820,000 | 56,671,000 | 54,382,000 | 54,462,000 |
| Total loans | 33,564,000 | 35,047,000 | 36,431,000 | 37,141,000 |
| Allowance for loan losses | 569,000 | 576,000 | 527,000 | 554,000 |
| Securities available for sale | 12,408,000 | 11,757,000 | 11,891,000 | 11,114,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 47,774,000 | 48,681,000 | 46,211,000 | 46,029,000 |
| Interest-bearing deposits | 40,973,000 | 41,890,000 | 40,603,000 | 40,743,000 |
| Noninterest-bearing deposits | 6,801,000 | 6,791,000 | 5,608,000 | 5,286,000 |
| Equity capital | 5,666,000 | 5,626,000 | 5,767,000 | 5,970,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 786,000 | 1,508,000 | 2,241,000 | 2,971,000 |
| Interest expense | 314,000 | 596,000 | 870,000 | 1,117,000 |
| Net interest income | 472,000 | 912,000 | 1,371,000 | 1,854,000 |
| Noninterest income | 123,000 | 255,000 | 345,000 | 477,000 |
| Noninterest expense | 439,000 | 877,000 | 1,310,000 | 1,771,000 |
| Provision for loan losses | 3,000 | 3,000 | -36,000 | -18,000 |
| Pretax income | 154,000 | 288,000 | 443,000 | 579,000 |
| Income tax | 41,000 | 75,000 | 115,000 | 148,000 |
| Net income | 113,000 | 213,000 | 328,000 | 431,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,423,000 | 5,523,000 | 5,638,000 | 5,741,000 |
| Total capital | 5,852,000 | 5,944,000 | 6,093,000 | 6,205,000 |
| Risk-weighted assets | 34,144,000 | 35,921,000 | 36,293,000 | 37,046,000 |
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