Call reports 2003
FLORIDA CAPITAL BANK, N.A. — 2003
What FLORIDA CAPITAL BANK, N.A. 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 | 30,870,000 | 28,274,000 | 27,114,000 | 25,699,000 |
| Total loans | 18,031,000 | 16,115,000 | 15,489,000 | 13,617,000 |
| Allowance for loan losses | 475,000 | 455,000 | 456,000 | 448,000 |
| Securities available for sale | 2,532,000 | 2,523,000 | 2,007,000 | 1,498,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 27,850,000 | 25,080,000 | 23,899,000 | 22,536,000 |
| Interest-bearing deposits | 23,652,000 | 21,033,000 | 19,771,000 | 18,639,000 |
| Noninterest-bearing deposits | 4,198,000 | 4,047,000 | 4,128,000 | 3,897,000 |
| Equity capital | 2,852,000 | 3,007,000 | 3,018,000 | 3,014,000 |
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 | 405,000 | 789,000 | 1,132,000 | 1,451,000 |
| Interest expense | 134,000 | 239,000 | 321,000 | 398,000 |
| Net interest income | 271,000 | 550,000 | 811,000 | 1,053,000 |
| Noninterest income | 84,000 | 164,000 | 245,000 | 315,000 |
| Noninterest expense | 304,000 | 564,000 | 871,000 | 1,191,000 |
| Provision for loan losses | 30,000 | 30,000 | 30,000 | 30,000 |
| Pretax income | 21,000 | 120,000 | 155,000 | 147,000 |
| Income tax | 15,000 | 51,000 | 64,000 | 54,000 |
| Net income | 6,000 | 69,000 | 91,000 | 93,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,767,000 | 2,924,000 | 2,940,000 | 2,939,000 |
| Total capital | 2,997,000 | 3,132,000 | 3,140,000 | 3,123,000 |
| Risk-weighted assets | 18,404,000 | 16,576,000 | 15,913,000 | 14,451,000 |
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