Call reports 2024
FLORA BANK & TRUST — 2024
What FLORA BANK & TRUST reported to the FFIEC in 2024, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Total assets | 111,659,000 | 115,636,000 | 119,215,000 | 117,711,000 |
| Total loans | 54,997,000 | 56,730,000 | 60,381,000 | 62,429,000 |
| Allowance for loan losses | 203,000 | 203,000 | 204,000 | 210,000 |
| Securities available for sale | 37,489,000 | 37,162,000 | 37,932,000 | 35,898,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 104,912,000 | 108,966,000 | 111,816,000 | 111,070,000 |
| Interest-bearing deposits | 90,693,000 | 95,094,000 | 98,646,000 | 97,962,000 |
| Noninterest-bearing deposits | 14,219,000 | 13,872,000 | 13,170,000 | 13,108,000 |
| Equity capital | 6,249,000 | 6,182,000 | 6,919,000 | 6,194,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Interest income | 1,147,000 | 2,301,000 | 3,529,000 | 4,843,000 |
| Interest expense | 694,000 | 1,378,000 | 2,135,000 | 2,911,000 |
| Net interest income | 453,000 | 923,000 | 1,394,000 | 1,932,000 |
| Noninterest income | 167,000 | 336,000 | 513,000 | 682,000 |
| Noninterest expense | 617,000 | 1,235,000 | 1,849,000 | 2,481,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 3,000 | 24,000 | 58,000 | 133,000 |
| Income tax | 0 | 0 | 3,000 | -3,000 |
| Net income | 3,000 | 24,000 | 55,000 | 136,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,435,000 | 10,461,000 | 10,493,000 | 10,509,000 |
| Total capital | 10,652,000 | 10,678,000 | 10,711,000 | 10,728,000 |
| Risk-weighted assets | 67,753,000 | 69,783,000 | 72,989,000 | 74,705,000 |