Call reports 2017
FLORA BANK & TRUST — 2017
What FLORA BANK & TRUST reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 68,664,000 | 68,331,000 | 69,651,000 | 68,904,000 |
| Total loans | 45,563,000 | 46,189,000 | 45,377,000 | 45,354,000 |
| Allowance for loan losses | 271,000 | 243,000 | 243,000 | 241,000 |
| Securities available for sale | 5,622,000 | 4,766,000 | 3,475,000 | 2,775,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 60,672,000 | 60,111,000 | 61,349,000 | 60,677,000 |
| Interest-bearing deposits | 50,386,000 | 49,151,000 | 50,837,000 | 51,483,000 |
| Noninterest-bearing deposits | 10,286,000 | 10,960,000 | 10,512,000 | 9,194,000 |
| Equity capital | 7,830,000 | 7,952,000 | 8,013,000 | 8,084,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 601,000 | 1,221,000 | 1,840,000 | 2,456,000 |
| Interest expense | 39,000 | 79,000 | 128,000 | 184,000 |
| Net interest income | 562,000 | 1,142,000 | 1,712,000 | 2,272,000 |
| Noninterest income | 118,000 | 233,000 | 356,000 | 487,000 |
| Noninterest expense | 511,000 | 1,013,000 | 1,549,000 | 2,108,000 |
| Provision for loan losses | 0 | 0 | 2,000 | 3,000 |
| Pretax income | 169,000 | 362,000 | 513,000 | 644,000 |
| Income tax | 66,000 | 142,000 | 202,000 | 241,000 |
| Net income | 103,000 | 220,000 | 311,000 | 403,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,822,000 | 7,939,000 | 8,002,000 | 8,095,000 |
| Total capital | 8,093,000 | 8,181,000 | 8,245,000 | 8,336,000 |
| Risk-weighted assets | 45,135,000 | 45,921,000 | 45,192,000 | 44,571,000 |