Call reports 2011
FLORA BANK & TRUST — 2011
What FLORA BANK & TRUST reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 69,690,000 | 66,559,000 | 66,962,000 | 67,212,000 |
| Total loans | 33,943,000 | 33,757,000 | 35,455,000 | 35,608,000 |
| Allowance for loan losses | 544,000 | 184,000 | 189,000 | 169,000 |
| Securities available for sale | 11,676,000 | 12,638,000 | 10,690,000 | 9,422,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 63,400,000 | 60,160,000 | 60,395,000 | 60,548,000 |
| Interest-bearing deposits | 56,373,000 | 54,094,000 | 54,040,000 | 53,411,000 |
| Noninterest-bearing deposits | 7,027,000 | 6,066,000 | 6,355,000 | 7,137,000 |
| Equity capital | 6,134,000 | 6,238,000 | 6,344,000 | 6,413,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 618,000 | 1,228,000 | 1,862,000 | 2,483,000 |
| Interest expense | 174,000 | 332,000 | 472,000 | 599,000 |
| Net interest income | 444,000 | 896,000 | 1,390,000 | 1,884,000 |
| Noninterest income | 108,000 | 230,000 | 378,000 | 509,000 |
| Noninterest expense | 471,000 | 931,000 | 1,386,000 | 1,878,000 |
| Provision for loan losses | 9,000 | 19,000 | 29,000 | 38,000 |
| Pretax income | 72,000 | 176,000 | 353,000 | 477,000 |
| Income tax | 10,000 | 34,000 | 94,000 | 125,000 |
| Net income | 62,000 | 142,000 | 259,000 | 352,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,046,000 | 6,125,000 | 6,242,000 | 6,336,000 |
| Total capital | 6,462,000 | 6,309,000 | 6,431,000 | 6,505,000 |
| Risk-weighted assets | 33,114,000 | 32,953,000 | 34,856,000 | 34,466,000 |
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