Overview / Commentary
128 West Second Street
Flora, IL 62839

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Additional Factors: Institutions with a small asset base, a short operating history, or negative return on equity can represent an instability risk beyond what their financial ratios indicate. Flora Savings Bank has a low asset base.

Health Grade Components

FDIC Certificate #27685
Year Established1904
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD0.37%
Return on Equity - YTD3.15%
Annual Interest Income$626.00K
Assets and Liabilities
AssetsQ2 2018vs Q2 2017$29.7MM$30.5MM
LoansQ2 2018vs Q2 2017$19.2MM$18.7MM
DepositsQ2 2018vs Q2 2017$26.0MM$27.0MM
Equity CapitalQ2 2018vs Q2 2017$3.6MM$3.4MM
Loan Loss AllowanceQ2 2018vs Q2 2017$160.00K$126.00K
Unbacked Noncurrent LoansQ2 2018vs Q2 2017$395.00K$531.00K
Real Estate OwnedQ2 2018vs Q2 2017$0$368.00K

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Flora Savings Bank Locations
Flora Savings Bank128 West Second StreetFlora, IL 62839

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