Call reports 2025
FLORA BANK & TRUST — 2025
What FLORA BANK & TRUST reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 115,437,000 | 117,632,000 | 118,349,000 | 119,826,000 |
| Total loans | 59,149,000 | 58,128,000 | 58,458,000 | 63,186,000 |
| Allowance for loan losses | 227,000 | 225,000 | 231,000 | 234,000 |
| Securities available for sale | 35,489,000 | 34,610,000 | 35,058,000 | 34,615,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 108,556,000 | 110,617,000 | 110,223,000 | 111,562,000 |
| Interest-bearing deposits | 93,447,000 | 96,585,000 | 94,217,000 | 97,579,000 |
| Noninterest-bearing deposits | 15,109,000 | 14,032,000 | 16,006,000 | 13,983,000 |
| Equity capital | 6,394,000 | 6,419,000 | 7,459,000 | 7,840,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 1,275,000 | 2,549,000 | 3,855,000 | 5,206,000 |
| Interest expense | 661,000 | 1,304,000 | 1,942,000 | 2,538,000 |
| Net interest income | 614,000 | 1,245,000 | 1,913,000 | 2,668,000 |
| Noninterest income | 155,000 | 318,000 | 503,000 | 681,000 |
| Noninterest expense | 626,000 | 1,236,000 | 1,856,000 | 2,543,000 |
| Provision for loan losses | 12,000 | 18,000 | 24,000 | 30,000 |
| Pretax income | 131,000 | 309,000 | 536,000 | 776,000 |
| Income tax | 20,000 | 57,000 | 104,000 | 186,000 |
| Net income | 111,000 | 252,000 | 432,000 | 590,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,547,000 | 10,685,000 | 10,866,000 | 10,985,000 |
| Total capital | 10,778,000 | 10,922,000 | 11,110,000 | 11,235,000 |
| Risk-weighted assets | 71,236,000 | 70,846,000 | 70,738,000 | 74,374,000 |