Call reports 2020
FLORIDA CAPITAL BANK, N.A. — 2020
What FLORIDA CAPITAL BANK, N.A. reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 522,252,000 | 525,221,000 | 529,741,000 | 475,591,000 |
| Total loans | 360,310,000 | 369,596,000 | 440,218,000 | 372,321,000 |
| Allowance for loan losses | 2,664,000 | 3,072,000 | 4,399,000 | 4,498,000 |
| Securities available for sale | 19,633,000 | 18,509,000 | 17,479,000 | 16,537,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 358,100,000 | 360,609,000 | 379,053,000 | 381,540,000 |
| Interest-bearing deposits | 212,154,000 | 212,090,000 | 232,742,000 | 213,960,000 |
| Noninterest-bearing deposits | 145,946,000 | 148,519,000 | 146,311,000 | 167,580,000 |
| Equity capital | 43,252,000 | 45,909,000 | 53,588,000 | 58,690,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 4,887,000 | 9,663,000 | 14,582,000 | 18,709,000 |
| Interest expense | 1,320,000 | 2,443,000 | 3,386,000 | 4,258,000 |
| Net interest income | 3,567,000 | 7,220,000 | 11,196,000 | 14,451,000 |
| Noninterest income | 4,242,000 | 12,364,000 | 29,994,000 | 41,587,000 |
| Noninterest expense | 8,499,000 | 17,066,000 | 27,160,000 | 35,904,000 |
| Provision for loan losses | 884,000 | 1,510,000 | 2,802,000 | 2,986,000 |
| Pretax income | -1,574,000 | 1,008,000 | 11,228,000 | 17,148,000 |
| Income tax | 0 | 8,000 | 2,521,000 | 3,290,000 |
| Net income | -1,574,000 | 1,000,000 | 8,707,000 | 13,858,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 39,023,000 | 41,528,000 | 52,304,000 | 58,082,000 |
| Total capital | 41,687,000 | 44,600,000 | 56,666,000 | 61,993,000 |
| Risk-weighted assets | 309,997,000 | 303,265,000 | 348,906,000 | 312,309,000 |