Call reports 2014
FLORA BANK & TRUST — 2014
What FLORA BANK & TRUST reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 67,901,000 | 68,217,000 | 69,462,000 | 72,116,000 |
| Total loans | 34,721,000 | 36,206,000 | 37,677,000 | 38,373,000 |
| Allowance for loan losses | 271,000 | 272,000 | 278,000 | 283,000 |
| Securities available for sale | 16,658,000 | 16,614,000 | 15,977,000 | 13,931,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 60,948,000 | 61,123,000 | 62,251,000 | 64,899,000 |
| Interest-bearing deposits | 53,062,000 | 53,199,000 | 54,398,000 | 54,575,000 |
| Noninterest-bearing deposits | 7,886,000 | 7,924,000 | 7,853,000 | 10,324,000 |
| Equity capital | 6,841,000 | 6,962,000 | 7,040,000 | 7,133,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 514,000 | 1,050,000 | 1,595,000 | 2,145,000 |
| Interest expense | 57,000 | 112,000 | 166,000 | 219,000 |
| Net interest income | 457,000 | 938,000 | 1,429,000 | 1,926,000 |
| Noninterest income | 112,000 | 233,000 | 349,000 | 463,000 |
| Noninterest expense | 490,000 | 982,000 | 1,473,000 | 1,971,000 |
| Provision for loan losses | 5,000 | 10,000 | 14,000 | 19,000 |
| Pretax income | 74,000 | 179,000 | 291,000 | 399,000 |
| Income tax | 13,000 | 43,000 | 74,000 | 95,000 |
| Net income | 61,000 | 136,000 | 217,000 | 304,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,931,000 | 7,006,000 | 7,088,000 | 7,174,000 |
| Total capital | 7,202,000 | 7,278,000 | 7,366,000 | 7,457,000 |
| Risk-weighted assets | 36,218,000 | 37,206,000 | 38,417,000 | 38,807,000 |
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