Call reports 2020
FLORA BANK & TRUST — 2020
What FLORA BANK & TRUST reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 74,917,000 | 89,311,000 | 95,387,000 | 99,995,000 |
| Total loans | 44,937,000 | 49,299,000 | 51,224,000 | 47,151,000 |
| Allowance for loan losses | 127,000 | 172,000 | 179,000 | 176,000 |
| Securities available for sale | 9,573,000 | 12,813,000 | 18,326,000 | 24,994,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 66,290,000 | 75,859,000 | 81,752,000 | 86,177,000 |
| Interest-bearing deposits | 57,168,000 | 64,176,000 | 69,458,000 | 73,499,000 |
| Noninterest-bearing deposits | 9,122,000 | 11,683,000 | 12,294,000 | 12,678,000 |
| Equity capital | 8,451,000 | 8,983,000 | 9,171,000 | 9,455,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 699,000 | 1,398,000 | 2,122,000 | 2,870,000 |
| Interest expense | 88,000 | 159,000 | 213,000 | 261,000 |
| Net interest income | 611,000 | 1,239,000 | 1,909,000 | 2,609,000 |
| Noninterest income | 110,000 | 202,000 | 302,000 | 338,000 |
| Noninterest expense | 546,000 | 1,074,000 | 1,610,000 | 2,201,000 |
| Provision for loan losses | 6,000 | 12,000 | 18,000 | 24,000 |
| Pretax income | 169,000 | 355,000 | 583,000 | 722,000 |
| Income tax | 41,000 | 84,000 | 139,000 | 158,000 |
| Net income | 128,000 | 271,000 | 444,000 | 564,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,652,000 | 8,794,000 | 8,966,000 | 9,086,000 |
| Total capital | 8,779,000 | 8,966,000 | 9,145,000 | 9,262,000 |
| Risk-weighted assets | 45,866,000 | 46,164,000 | 48,989,000 | 48,826,000 |