Call reports 2003
COMMUNITY BANK AND TRUST OF FLORIDA — 2003
What COMMUNITY BANK AND TRUST OF FLORIDA reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 180,843,000 | 189,205,000 | 202,914,000 | 205,124,000 |
| Total loans | 129,231,000 | 128,915,000 | 134,494,000 | 144,446,000 |
| Allowance for loan losses | 1,893,000 | 2,068,000 | 2,121,000 | 2,287,000 |
| Securities available for sale | 33,273,000 | 40,883,000 | 43,820,000 | 41,054,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 149,702,000 | 158,038,000 | 165,637,000 | 163,247,000 |
| Interest-bearing deposits | 131,508,000 | 140,228,000 | 142,925,000 | 143,588,000 |
| Noninterest-bearing deposits | 18,194,000 | 17,810,000 | 22,712,000 | 19,659,000 |
| Equity capital | 15,411,000 | 15,738,000 | 15,694,000 | 16,244,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 2,610,000 | 5,302,000 | 8,032,000 | 10,827,000 |
| Interest expense | 950,000 | 1,902,000 | 2,773,000 | 3,616,000 |
| Net interest income | 1,660,000 | 3,400,000 | 5,259,000 | 7,211,000 |
| Noninterest income | 237,000 | 486,000 | 790,000 | 1,077,000 |
| Noninterest expense | 1,198,000 | 2,502,000 | 3,860,000 | 5,233,000 |
| Provision for loan losses | 156,000 | 326,000 | 404,000 | 580,000 |
| Pretax income | 543,000 | 1,087,000 | 1,814,000 | 2,504,000 |
| Income tax | 198,000 | 396,000 | 655,000 | 900,000 |
| Net income | 345,000 | 691,000 | 1,159,000 | 1,604,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,197,000 | 15,543,000 | 16,012,000 | 16,456,000 |
| Total capital | 16,875,000 | 17,244,000 | 17,813,000 | 18,394,000 |
| Risk-weighted assets | 134,017,000 | 135,707,000 | 143,764,000 | 154,701,000 |
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