Call reports 2004
COMMUNITY BANK AND TRUST OF FLORIDA — 2004
What COMMUNITY BANK AND TRUST OF FLORIDA reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 213,670,000 | 215,351,000 | 223,975,000 | 227,647,000 |
| Total loans | 144,641,000 | 154,113,000 | 164,741,000 | 173,483,000 |
| Allowance for loan losses | 2,388,000 | 2,381,000 | 2,467,000 | 2,549,000 |
| Securities available for sale | 39,273,000 | 40,854,000 | 38,800,000 | 36,834,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 181,131,000 | 182,852,000 | 190,321,000 | 190,803,000 |
| Interest-bearing deposits | 160,571,000 | 160,504,000 | 163,985,000 | 162,005,000 |
| Noninterest-bearing deposits | 20,560,000 | 22,348,000 | 26,336,000 | 28,798,000 |
| Equity capital | 16,922,000 | 16,893,000 | 17,938,000 | 18,425,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 2,804,000 | 5,631,000 | 8,597,000 | 11,709,000 |
| Interest expense | 862,000 | 1,709,000 | 2,595,000 | 3,527,000 |
| Net interest income | 1,942,000 | 3,922,000 | 6,002,000 | 8,182,000 |
| Noninterest income | 317,000 | 654,000 | 987,000 | 1,341,000 |
| Noninterest expense | 1,439,000 | 2,829,000 | 4,277,000 | 5,827,000 |
| Provision for loan losses | 92,000 | 92,000 | 184,000 | 276,000 |
| Pretax income | 728,000 | 1,655,000 | 2,528,000 | 3,420,000 |
| Income tax | 259,000 | 591,000 | 900,000 | 1,212,000 |
| Net income | 469,000 | 1,064,000 | 1,628,000 | 2,208,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,925,000 | 17,520,000 | 18,084,000 | 18,664,000 |
| Total capital | 18,848,000 | 19,531,000 | 20,183,000 | 20,865,000 |
| Risk-weighted assets | 153,397,000 | 160,545,000 | 167,539,000 | 175,700,000 |
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