Call reports 2023
FLORIDA CAPITAL BANK, N.A. — 2023
What FLORIDA CAPITAL BANK, N.A. reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 457,959,000 | 522,061,000 | 495,986,000 | 495,075,000 |
| Total loans | 381,058,000 | 411,611,000 | 407,411,000 | 420,048,000 |
| Allowance for loan losses | 5,049,000 | 5,069,000 | 5,373,000 | 5,450,000 |
| Securities available for sale | 14,460,000 | 13,840,000 | 12,928,000 | 13,217,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 368,936,000 | 367,417,000 | 350,298,000 | 432,904,000 |
| Interest-bearing deposits | 134,453,000 | 119,520,000 | 116,791,000 | 121,145,000 |
| Noninterest-bearing deposits | 234,483,000 | 247,897,000 | 233,507,000 | 311,759,000 |
| Equity capital | 64,809,000 | 54,881,000 | 55,212,000 | 56,196,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 5,467,000 | 11,210,000 | 17,566,000 | 24,003,000 |
| Interest expense | 306,000 | 1,546,000 | 3,853,000 | 6,425,000 |
| Net interest income | 5,161,000 | 9,664,000 | 13,713,000 | 17,578,000 |
| Noninterest income | 1,586,000 | 3,316,000 | 5,294,000 | 6,918,000 |
| Noninterest expense | 5,340,000 | 10,994,000 | 15,967,000 | 20,774,000 |
| Provision for loan losses | 159,000 | 393,000 | 638,000 | 682,000 |
| Pretax income | 1,248,000 | 1,593,000 | 2,402,000 | 3,040,000 |
| Income tax | 313,000 | 389,000 | 584,000 | 736,000 |
| Net income | 935,000 | 1,204,000 | 1,818,000 | 2,304,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 65,385,000 | 55,595,000 | 56,227,000 | 56,731,000 |
| Total capital | 69,395,000 | 60,079,000 | 60,792,000 | 61,317,000 |
| Risk-weighted assets | 319,708,000 | 358,029,000 | 364,315,000 | 365,947,000 |