Call reports 2016
FLORA BANK & TRUST — 2016
What FLORA BANK & TRUST reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 64,799,000 | 66,820,000 | 66,255,000 | 66,489,000 |
| Total loans | 41,919,000 | 43,148,000 | 45,024,000 | 45,383,000 |
| Allowance for loan losses | 290,000 | 292,000 | 292,000 | 291,000 |
| Securities available for sale | 7,190,000 | 7,556,000 | 5,394,000 | 5,424,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 56,171,000 | 59,022,000 | 58,313,000 | 58,612,000 |
| Interest-bearing deposits | 47,043,000 | 49,491,000 | 49,124,000 | 48,770,000 |
| Noninterest-bearing deposits | 9,128,000 | 9,531,000 | 9,189,000 | 9,842,000 |
| Equity capital | 7,510,000 | 7,603,000 | 7,709,000 | 7,767,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 551,000 | 1,109,000 | 1,702,000 | 2,295,000 |
| Interest expense | 39,000 | 78,000 | 116,000 | 155,000 |
| Net interest income | 512,000 | 1,031,000 | 1,586,000 | 2,140,000 |
| Noninterest income | 107,000 | 214,000 | 328,000 | 450,000 |
| Noninterest expense | 497,000 | 991,000 | 1,486,000 | 1,993,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 122,000 | 254,000 | 428,000 | 597,000 |
| Income tax | 43,000 | 94,000 | 159,000 | 228,000 |
| Net income | 79,000 | 160,000 | 269,000 | 369,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,476,000 | 7,570,000 | 7,680,000 | 7,769,000 |
| Total capital | 7,766,000 | 7,862,000 | 7,972,000 | 8,060,000 |
| Risk-weighted assets | 41,423,000 | 42,900,000 | 44,119,000 | 44,044,000 |