Call reports 2010
FLORA BANK & TRUST — 2010
What FLORA BANK & TRUST reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 63,597,000 | 64,478,000 | 66,303,000 | 68,047,000 |
| Total loans | 36,023,000 | 35,829,000 | 35,018,000 | 36,823,000 |
| Allowance for loan losses | 543,000 | 549,000 | 547,000 | 530,000 |
| Securities available for sale | 10,303,000 | 10,536,000 | 10,299,000 | 10,459,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 57,402,000 | 58,186,000 | 59,937,000 | 61,707,000 |
| Interest-bearing deposits | 51,251,000 | 51,607,000 | 53,502,000 | 53,798,000 |
| Noninterest-bearing deposits | 6,151,000 | 6,579,000 | 6,435,000 | 7,909,000 |
| Equity capital | 5,999,000 | 6,090,000 | 6,130,000 | 6,112,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 668,000 | 1,329,000 | 1,984,000 | 2,621,000 |
| Interest expense | 200,000 | 403,000 | 602,000 | 792,000 |
| Net interest income | 468,000 | 926,000 | 1,382,000 | 1,829,000 |
| Noninterest income | 108,000 | 228,000 | 348,000 | 459,000 |
| Noninterest expense | 475,000 | 941,000 | 1,412,000 | 1,926,000 |
| Provision for loan losses | 0 | 0 | 4,000 | 4,000 |
| Pretax income | 101,000 | 213,000 | 314,000 | 358,000 |
| Income tax | 21,000 | 46,000 | 67,000 | 67,000 |
| Net income | 80,000 | 167,000 | 247,000 | 291,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,842,000 | 5,930,000 | 5,971,000 | 6,015,000 |
| Total capital | 6,366,000 | 6,464,000 | 6,508,000 | 6,477,000 |
| Risk-weighted assets | 41,909,000 | 42,707,000 | 42,920,000 | 36,857,000 |
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