Call reports 2008
FLORIDA CAPITAL BANK, N.A. — 2008
What FLORIDA CAPITAL BANK, N.A. reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 819,512,000 | 879,124,000 | 872,728,000 | 968,239,000 |
| Total loans | 740,556,000 | 804,975,000 | 765,105,000 | 768,787,000 |
| Allowance for loan losses | 10,587,000 | 15,342,000 | 11,344,000 | 13,949,000 |
| Securities available for sale | 9,105,000 | 8,387,000 | 12,907,000 | 114,787,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 710,656,000 | 773,527,000 | 770,145,000 | 866,479,000 |
| Interest-bearing deposits | 647,675,000 | 697,063,000 | 689,623,000 | 785,550,000 |
| Noninterest-bearing deposits | 62,981,000 | 76,464,000 | 80,523,000 | 80,929,000 |
| Equity capital | 74,923,000 | 69,459,000 | 68,954,000 | 69,846,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 12,437,000 | 24,937,000 | 37,462,000 | 48,814,000 |
| Interest expense | 6,789,000 | 13,538,000 | 20,071,000 | 26,804,000 |
| Net interest income | 5,648,000 | 11,399,000 | 17,391,000 | 22,010,000 |
| Noninterest income | 2,122,000 | 4,186,000 | 7,062,000 | 9,227,000 |
| Noninterest expense | 8,120,000 | 16,294,000 | 25,029,000 | 36,328,000 |
| Provision for loan losses | 530,000 | 6,880,000 | 7,622,000 | 11,072,000 |
| Pretax income | -880,000 | -7,589,000 | -8,198,000 | -16,163,000 |
| Income tax | 0 | 0 | 0 | 3,000 |
| Net income | -880,000 | -7,589,000 | -8,198,000 | -16,166,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 72,115,000 | 66,906,000 | 66,297,000 | 69,058,000 |
| Total capital | 81,310,000 | 76,432,000 | 75,686,000 | 78,695,000 |
| Risk-weighted assets | 734,180,000 | 757,541,000 | 749,055,000 | 766,638,000 |