Call reports 2021
FLORA BANK & TRUST — 2021
What FLORA BANK & TRUST reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 107,059,000 | 101,873,000 | 101,863,000 | 106,197,000 |
| Total loans | 46,073,000 | 41,647,000 | 42,204,000 | 44,866,000 |
| Allowance for loan losses | 183,000 | 190,000 | 135,000 | 141,000 |
| Securities available for sale | 34,076,000 | 36,680,000 | 39,173,000 | 43,539,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 93,754,000 | 91,989,000 | 91,799,000 | 96,397,000 |
| Interest-bearing deposits | 78,923,000 | 78,318,000 | 77,767,000 | 81,813,000 |
| Noninterest-bearing deposits | 14,831,000 | 13,671,000 | 14,032,000 | 14,584,000 |
| Equity capital | 8,985,000 | 9,434,000 | 9,655,000 | 9,665,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 691,000 | 1,403,000 | 2,082,000 | 2,784,000 |
| Interest expense | 47,000 | 98,000 | 147,000 | 193,000 |
| Net interest income | 644,000 | 1,305,000 | 1,935,000 | 2,591,000 |
| Noninterest income | 107,000 | 232,000 | 359,000 | 488,000 |
| Noninterest expense | 522,000 | 1,050,000 | 1,570,000 | 2,139,000 |
| Provision for loan losses | 6,000 | 12,000 | 30,000 | 36,000 |
| Pretax income | 223,000 | 475,000 | 694,000 | 904,000 |
| Income tax | 52,000 | 111,000 | 161,000 | 167,000 |
| Net income | 171,000 | 364,000 | 533,000 | 737,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,124,000 | 9,315,000 | 9,484,000 | 9,688,000 |
| Total capital | 9,307,000 | 9,505,000 | 9,619,000 | 9,829,000 |
| Risk-weighted assets | 48,797,000 | 48,227,000 | 52,026,000 | 55,765,000 |
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