Call reports 2022
FLORA BANK & TRUST — 2022
What FLORA BANK & TRUST reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 107,859,000 | 107,719,000 | 104,085,000 | 112,567,000 |
| Total loans | 41,817,000 | 43,199,000 | 45,712,000 | 51,994,000 |
| Allowance for loan losses | 148,000 | 157,000 | 166,000 | 189,000 |
| Securities available for sale | 41,901,000 | 40,128,000 | 39,354,000 | 39,977,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 100,498,000 | 102,682,000 | 94,444,000 | 101,483,000 |
| Interest-bearing deposits | 85,639,000 | 86,823,000 | 79,283,000 | 85,446,000 |
| Noninterest-bearing deposits | 14,859,000 | 15,859,000 | 15,161,000 | 16,037,000 |
| Equity capital | 7,176,000 | 4,791,000 | 4,362,000 | 5,653,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 681,000 | 1,412,000 | 2,208,000 | 3,122,000 |
| Interest expense | 49,000 | 102,000 | 176,000 | 454,000 |
| Net interest income | 632,000 | 1,310,000 | 2,032,000 | 2,668,000 |
| Noninterest income | 122,000 | 247,000 | 384,000 | 800,000 |
| Noninterest expense | 541,000 | 1,069,000 | 1,616,000 | 2,223,000 |
| Provision for loan losses | 7,000 | 16,000 | 25,000 | 48,000 |
| Pretax income | 206,000 | 472,000 | 775,000 | 1,197,000 |
| Income tax | 42,000 | 103,000 | 172,000 | 237,000 |
| Net income | 164,000 | 369,000 | 603,000 | 960,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,677,000 | 9,879,000 | 10,113,000 | 10,471,000 |
| Total capital | 9,825,000 | 10,036,000 | 10,279,000 | 10,660,000 |
| Risk-weighted assets | 56,786,000 | 59,050,000 | 61,027,000 | 66,780,000 |