Call reports 2023
FLORA BANK & TRUST — 2023
What FLORA BANK & TRUST reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 114,417,000 | 111,552,000 | 107,324,000 | 115,630,000 |
| Total loans | 53,400,000 | 53,363,000 | 51,135,000 | 56,121,000 |
| Allowance for loan losses | 189,000 | 190,000 | 179,000 | 193,000 |
| Securities available for sale | 39,065,000 | 38,108,000 | 37,052,000 | 38,580,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 107,994,000 | 105,002,000 | 101,217,000 | 108,568,000 |
| Interest-bearing deposits | 90,282,000 | 88,654,000 | 85,766,000 | 93,797,000 |
| Noninterest-bearing deposits | 17,712,000 | 16,348,000 | 15,451,000 | 14,771,000 |
| Equity capital | 5,876,000 | 5,946,000 | 5,463,000 | 6,598,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 1,019,000 | 2,072,000 | 3,093,000 | 4,200,000 |
| Interest expense | 357,000 | 725,000 | 1,115,000 | 2,084,000 |
| Net interest income | 662,000 | 1,347,000 | 1,978,000 | 2,116,000 |
| Noninterest income | 141,000 | 473,000 | 618,000 | 792,000 |
| Noninterest expense | 575,000 | 1,199,000 | 1,747,000 | 2,376,000 |
| Provision for loan losses | 0 | 0 | 0 | 16,000 |
| Pretax income | 205,000 | 598,000 | 825,000 | 492,000 |
| Income tax | 43,000 | 145,000 | 183,000 | 81,000 |
| Net income | 162,000 | 453,000 | 642,000 | 411,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,528,000 | 10,799,000 | 10,940,000 | 10,546,000 |
| Total capital | 10,717,000 | 10,989,000 | 11,153,000 | 10,773,000 |
| Risk-weighted assets | 67,704,000 | 67,041,000 | 65,289,000 | 69,322,000 |