Call reports 2004
FLORIDA CAPITAL BANK, N.A. — 2004
What FLORIDA CAPITAL BANK, N.A. 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 | 25,920,000 | 24,956,000 | 24,814,000 | 41,625,000 |
| Total loans | 13,108,000 | 12,698,000 | 11,842,000 | 11,702,000 |
| Allowance for loan losses | 427,000 | 417,000 | 412,000 | 382,000 |
| Securities available for sale | 1,504,000 | 976,000 | 993,000 | 5,110,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 22,757,000 | 21,811,000 | 21,645,000 | 24,063,000 |
| Interest-bearing deposits | 18,841,000 | 18,207,000 | 17,811,000 | 17,827,000 |
| Noninterest-bearing deposits | 3,916,000 | 3,604,000 | 3,834,000 | 6,236,000 |
| Equity capital | 3,043,000 | 3,024,000 | 3,033,000 | 16,925,000 |
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 | 292,000 | 591,000 | 881,000 | 239,000 |
| Interest expense | 70,000 | 135,000 | 187,000 | 43,000 |
| Net interest income | 222,000 | 456,000 | 694,000 | 196,000 |
| Noninterest income | 61,000 | 124,000 | 183,000 | 39,000 |
| Noninterest expense | 311,000 | 611,000 | 912,000 | 430,000 |
| Provision for loan losses | -60,000 | -60,000 | -60,000 | 0 |
| Pretax income | 32,000 | 29,000 | 25,000 | -195,000 |
| Income tax | 7,000 | 4,000 | 3,000 | 0 |
| Net income | 25,000 | 25,000 | 22,000 | -195,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,969,000 | 2,961,000 | 2,966,000 | 13,796,000 |
| Total capital | 3,148,000 | 3,138,000 | 3,135,000 | 14,043,000 |
| Risk-weighted assets | 14,109,000 | 13,952,000 | 13,324,000 | 19,608,000 |
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