Call reports 2012
FLORA BANK & TRUST — 2012
What FLORA BANK & TRUST reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 68,337,000 | 66,975,000 | 65,445,000 | 66,951,000 |
| Total loans | 35,205,000 | 35,347,000 | 35,800,000 | 35,955,000 |
| Allowance for loan losses | 183,000 | 180,000 | 195,000 | 201,000 |
| Securities available for sale | 9,516,000 | 11,760,000 | 8,818,000 | 10,113,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 61,703,000 | 60,211,000 | 58,554,000 | 59,997,000 |
| Interest-bearing deposits | 54,325,000 | 53,020,000 | 51,667,000 | 52,848,000 |
| Noninterest-bearing deposits | 7,378,000 | 7,191,000 | 6,887,000 | 7,149,000 |
| Equity capital | 6,465,000 | 6,556,000 | 6,629,000 | 6,685,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 596,000 | 1,207,000 | 1,797,000 | 2,391,000 |
| Interest expense | 121,000 | 240,000 | 346,000 | 445,000 |
| Net interest income | 475,000 | 967,000 | 1,451,000 | 1,946,000 |
| Noninterest income | 123,000 | 252,000 | 384,000 | 517,000 |
| Noninterest expense | 448,000 | 934,000 | 1,426,000 | 1,885,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 135,000 | 255,000 | 364,000 | 518,000 |
| Income tax | 39,000 | 70,000 | 102,000 | 150,000 |
| Net income | 96,000 | 185,000 | 262,000 | 368,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,397,000 | 6,486,000 | 6,563,000 | 6,629,000 |
| Total capital | 6,580,000 | 6,666,000 | 6,758,000 | 6,830,000 |
| Risk-weighted assets | 34,157,000 | 34,687,000 | 34,569,000 | 35,214,000 |
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