Call reports 2005
FLORIDA CAPITAL BANK, N.A. — 2005
What FLORIDA CAPITAL BANK, N.A. reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 46,021,000 | 58,651,000 | 106,896,000 | 206,787,000 |
| Total loans | 16,431,000 | 31,957,000 | 80,800,000 | 161,386,000 |
| Allowance for loan losses | 503,000 | 505,000 | 904,000 | 1,660,000 |
| Securities available for sale | 12,897,000 | 12,663,000 | 11,911,000 | 11,334,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 28,106,000 | 40,492,000 | 76,631,000 | 147,976,000 |
| Interest-bearing deposits | 20,197,000 | 33,827,000 | 58,273,000 | 132,152,000 |
| Noninterest-bearing deposits | 7,909,000 | 6,665,000 | 18,358,000 | 15,824,000 |
| Equity capital | 17,457,000 | 17,419,000 | 18,906,000 | 41,968,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 433,000 | 1,128,000 | 2,257,000 | 4,689,000 |
| Interest expense | 66,000 | 253,000 | 672,000 | 1,661,000 |
| Net interest income | 367,000 | 875,000 | 1,585,000 | 3,028,000 |
| Noninterest income | 50,000 | 188,000 | 465,000 | 1,067,000 |
| Noninterest expense | 675,000 | 2,393,000 | 5,650,000 | 9,293,000 |
| Provision for loan losses | 123,000 | 123,000 | 526,000 | 1,278,000 |
| Pretax income | -381,000 | -1,453,000 | -4,126,000 | -6,476,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -381,000 | -1,453,000 | -4,126,000 | -6,476,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,461,000 | 14,431,000 | 16,004,000 | 39,196,000 |
| Total capital | 14,724,000 | 14,871,000 | 16,908,000 | 40,856,000 |
| Risk-weighted assets | 20,860,000 | 35,008,000 | 81,204,000 | 159,992,000 |
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