Call reports 2013
FLORA BANK & TRUST — 2013
What FLORA BANK & TRUST reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 70,261,000 | 70,392,000 | 70,164,000 | 69,112,000 |
| Total loans | 34,250,000 | 33,729,000 | 33,367,000 | 35,421,000 |
| Allowance for loan losses | 217,000 | 234,000 | 249,000 | 264,000 |
| Securities available for sale | 12,902,000 | 14,549,000 | 15,827,000 | 14,696,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 63,378,000 | 63,591,000 | 63,232,000 | 62,241,000 |
| Interest-bearing deposits | 55,275,000 | 55,506,000 | 55,251,000 | 54,076,000 |
| Noninterest-bearing deposits | 8,103,000 | 8,085,000 | 7,981,000 | 8,165,000 |
| Equity capital | 6,745,000 | 6,640,000 | 6,751,000 | 6,787,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 548,000 | 1,090,000 | 1,646,000 | 2,189,000 |
| Interest expense | 81,000 | 157,000 | 230,000 | 299,000 |
| Net interest income | 467,000 | 933,000 | 1,416,000 | 1,890,000 |
| Noninterest income | 113,000 | 248,000 | 380,000 | 499,000 |
| Noninterest expense | 490,000 | 992,000 | 1,476,000 | 1,965,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 75,000 | 159,000 | 275,000 | 364,000 |
| Income tax | 13,000 | 33,000 | 65,000 | 89,000 |
| Net income | 62,000 | 126,000 | 210,000 | 275,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,692,000 | 6,755,000 | 6,840,000 | 6,904,000 |
| Total capital | 6,909,000 | 6,989,000 | 7,089,000 | 7,168,000 |
| Risk-weighted assets | 35,085,000 | 35,370,000 | 35,387,000 | 37,081,000 |
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