Call reports 2009
FLORA BANK & TRUST — 2009
What FLORA BANK & TRUST reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 58,647,000 | 57,439,000 | 59,783,000 | 59,601,000 |
| Total loans | 36,919,000 | 36,854,000 | 37,724,000 | 38,022,000 |
| Allowance for loan losses | 525,000 | 540,000 | 526,000 | 536,000 |
| Securities available for sale | 12,114,000 | 12,476,000 | 11,961,000 | 10,855,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 50,502,000 | 50,101,000 | 52,300,000 | 53,314,000 |
| Interest-bearing deposits | 44,818,000 | 44,555,000 | 46,877,000 | 47,366,000 |
| Noninterest-bearing deposits | 5,684,000 | 5,546,000 | 5,423,000 | 5,948,000 |
| Equity capital | 5,813,000 | 5,950,000 | 6,083,000 | 6,007,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 676,000 | 1,363,000 | 2,053,000 | 2,744,000 |
| Interest expense | 228,000 | 447,000 | 657,000 | 868,000 |
| Net interest income | 448,000 | 916,000 | 1,396,000 | 1,876,000 |
| Noninterest income | 106,000 | 230,000 | 353,000 | 485,000 |
| Noninterest expense | 416,000 | 832,000 | 1,285,000 | 1,817,000 |
| Provision for loan losses | 7,000 | 13,000 | 19,000 | 23,000 |
| Pretax income | 131,000 | 301,000 | 445,000 | 338,000 |
| Income tax | 32,000 | 77,000 | 112,000 | 62,000 |
| Net income | 99,000 | 224,000 | 333,000 | 276,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,650,000 | 5,775,000 | 5,885,000 | 5,826,000 |
| Total capital | 6,119,000 | 6,250,000 | 6,376,000 | 6,349,000 |
| Risk-weighted assets | 37,431,000 | 37,923,000 | 39,274,000 | 41,790,000 |
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