Vitals
  • Total Assets
    66.5M 1.4 %
  • Total Deposits
    58.6M 3.8 %
  • Total Net Loans
    45.1M 6.2 %
  • Net Income
    369000.0000 2.8 %
  • Book Value
    7.8M 4.2 %
  • Book Value x2
    15.5M 4.2 %
  • Book Value x3
    23.3M 4.2 %
ROAA

.564

ROAE

4.85

Efficiency Ratio

76.042

Net Interest Margin

3.6

Balance Sheet Highlights
Financial Highlights Flora Bank & Trust All Insured Commercial Banks in Illinois
Balance Sheet $(000)
Total Assets 66,489 290,894
Total Net Loans 45,092 191,278
Total Deposits 58,612 246,407
Total Equity 7,767 31,125
Profitability
Net Income 369 2,670
Return on Average Assets .564 .919
Return on Average Equity 4.85 8.247
Net Interest Margin 3.6 3.499
Efficiency Ratio 76.042 67.9
Noninterest Income/Revenue 16.21 16.598
Balance Sheet Ratios
Loan-to-Deposit 76.933 72.669
Securities/Assets .082 .191
Total Equity/Total Assets .117 .107
Tangible Equity/Tangible Assets .117 .103
Capital Adequacy
Tier 1 Common Capital 7,769 29,670
Tier 1 Capital 7,769 29,720
Tier 2 Capital 291 2,112
Total Capital 8,060 31,905
Total Risk Weighted Assets 44,044 212,461
Leverage Ratio 11.55 10.62
Common Equity Tier 1 Capital Ratio 17.64 16.313
Tier 1 Capital Ratio 17.64 16.329
Total Capital Ratio 18.3 17.341

Timeline for Flora Bank & Trust

Clay Bancshares, Inc

Clay Bancshares, Inc became a new parent organization for Flora Bank & Trust.

View Profile Apr 04 1994

Flora Bank & Trust

Flora Bank & Trust was established 46 years ago and is currently headquartered in Flora, IL.

Jan 19 1978
Relationships Role Relationship Start Relationship End
Clay Bancshares, Inc Parent 4/4/1994
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