Call reports 2018
FLORA BANK & TRUST — 2018
What FLORA BANK & TRUST reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 68,760,000 | 67,524,000 | 74,224,000 | 69,913,000 |
| Total loans | 43,950,000 | 47,656,000 | 48,079,000 | 46,647,000 |
| Allowance for loan losses | 243,000 | 245,000 | 245,000 | 177,000 |
| Securities available for sale | 2,472,000 | 2,456,000 | 2,400,000 | 2,072,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 60,517,000 | 57,896,000 | 65,762,000 | 61,385,000 |
| Interest-bearing deposits | 51,313,000 | 48,199,000 | 56,482,000 | 51,964,000 |
| Noninterest-bearing deposits | 9,204,000 | 9,697,000 | 9,280,000 | 9,421,000 |
| Equity capital | 8,071,000 | 8,154,000 | 8,226,000 | 8,313,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 619,000 | 1,249,000 | 1,907,000 | 2,598,000 |
| Interest expense | 54,000 | 118,000 | 196,000 | 299,000 |
| Net interest income | 565,000 | 1,131,000 | 1,711,000 | 2,299,000 |
| Noninterest income | 112,000 | 222,000 | 337,000 | 448,000 |
| Noninterest expense | 569,000 | 1,123,000 | 1,688,000 | 2,285,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 108,000 | 230,000 | 360,000 | 462,000 |
| Income tax | 32,000 | 70,000 | 108,000 | 140,000 |
| Net income | 76,000 | 160,000 | 252,000 | 322,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,090,000 | 8,173,000 | 8,253,000 | 8,325,000 |
| Total capital | 8,333,000 | 8,418,000 | 8,498,000 | 8,502,000 |
| Risk-weighted assets | 43,235,000 | 46,029,000 | 46,521,000 | 44,737,000 |