Call reports 2019
FLORA BANK & TRUST — 2019
What FLORA BANK & TRUST reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 69,425,000 | 69,951,000 | 69,314,000 | 71,455,000 |
| Total loans | 46,470,000 | 46,280,000 | 45,456,000 | 44,832,000 |
| Allowance for loan losses | 206,000 | 203,000 | 203,000 | 238,000 |
| Securities available for sale | 2,428,000 | 3,908,000 | 4,169,000 | 5,889,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 60,815,000 | 61,109,000 | 60,379,000 | 62,476,000 |
| Interest-bearing deposits | 51,722,000 | 52,022,000 | 52,160,000 | 54,057,000 |
| Noninterest-bearing deposits | 9,093,000 | 9,087,000 | 8,219,000 | 8,419,000 |
| Equity capital | 8,345,000 | 8,486,000 | 8,616,000 | 8,683,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 673,000 | 1,367,000 | 2,066,000 | 2,756,000 |
| Interest expense | 85,000 | 169,000 | 257,000 | 347,000 |
| Net interest income | 588,000 | 1,198,000 | 1,809,000 | 2,409,000 |
| Noninterest income | 107,000 | 240,000 | 359,000 | 478,000 |
| Noninterest expense | 567,000 | 1,141,000 | 1,722,000 | 2,281,000 |
| Provision for loan losses | 0 | 0 | 0 | 45,000 |
| Pretax income | 128,000 | 297,000 | 446,000 | 561,000 |
| Income tax | 33,000 | 77,000 | 113,000 | 140,000 |
| Net income | 95,000 | 220,000 | 333,000 | 421,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,345,000 | 8,460,000 | 8,566,000 | 8,654,000 |
| Total capital | 8,551,000 | 8,663,000 | 8,770,000 | 8,892,000 |
| Risk-weighted assets | 44,641,000 | 44,975,000 | 43,671,000 | 43,488,000 |