Call reports 2015
FLORA BANK & TRUST — 2015
What FLORA BANK & TRUST reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 71,560,000 | 71,615,000 | 66,894,000 | 65,547,000 |
| Total loans | 38,877,000 | 39,906,000 | 41,404,000 | 42,732,000 |
| Allowance for loan losses | 289,000 | 292,000 | 289,000 | 289,000 |
| Securities available for sale | 13,593,000 | 12,948,000 | 11,134,000 | 8,272,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 64,190,000 | 64,166,000 | 59,297,000 | 56,469,000 |
| Interest-bearing deposits | 54,999,000 | 54,842,000 | 50,033,000 | 46,590,000 |
| Noninterest-bearing deposits | 9,191,000 | 9,324,000 | 9,264,000 | 9,879,000 |
| Equity capital | 7,227,000 | 7,253,000 | 7,381,000 | 7,453,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 543,000 | 1,105,000 | 1,682,000 | 2,241,000 |
| Interest expense | 49,000 | 96,000 | 141,000 | 182,000 |
| Net interest income | 494,000 | 1,009,000 | 1,541,000 | 2,059,000 |
| Noninterest income | 99,000 | 212,000 | 330,000 | 445,000 |
| Noninterest expense | 487,000 | 977,000 | 1,463,000 | 1,964,000 |
| Provision for loan losses | 5,000 | 9,000 | 14,000 | 14,000 |
| Pretax income | 101,000 | 235,000 | 399,000 | 531,000 |
| Income tax | 29,000 | 73,000 | 128,000 | 172,000 |
| Net income | 72,000 | 162,000 | 271,000 | 359,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,195,000 | 7,249,000 | 7,347,000 | 7,447,000 |
| Total capital | 7,484,000 | 7,541,000 | 7,636,000 | 7,736,000 |
| Risk-weighted assets | 38,762,000 | 39,803,000 | 41,115,000 | 42,400,000 |
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