Call reports 2025
FLORIDA CAPITAL BANK, N.A. — 2025
What FLORIDA CAPITAL BANK, N.A. reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 610,364,000 | 655,184,000 | 647,719,000 | 652,158,000 |
| Total loans | 483,186,000 | 511,611,000 | 500,033,000 | 499,768,000 |
| Allowance for loan losses | 6,069,000 | 6,130,000 | 6,216,000 | 6,298,000 |
| Securities available for sale | 13,944,000 | 18,728,000 | 18,097,000 | 22,445,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 543,330,000 | 585,893,000 | 577,601,000 | 581,323,000 |
| Interest-bearing deposits | 224,514,000 | 234,505,000 | 298,266,000 | 311,564,000 |
| Noninterest-bearing deposits | 318,816,000 | 351,388,000 | 279,335,000 | 269,759,000 |
| Equity capital | 62,642,000 | 64,299,000 | 65,935,000 | 66,975,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 8,606,000 | 17,316,000 | 26,028,000 | 34,635,000 |
| Interest expense | 2,365,000 | 4,870,000 | 7,659,000 | 10,497,000 |
| Net interest income | 6,241,000 | 12,446,000 | 18,369,000 | 24,138,000 |
| Noninterest income | 2,844,000 | 4,662,000 | 7,545,000 | 9,385,000 |
| Noninterest expense | 5,768,000 | 11,545,000 | 18,321,000 | 24,414,000 |
| Provision for loan losses | 100,000 | 225,000 | 325,000 | 400,000 |
| Pretax income | 3,217,000 | 5,359,000 | 7,289,000 | 8,743,000 |
| Income tax | 804,000 | 1,335,000 | 1,711,000 | 2,068,000 |
| Net income | 2,413,000 | 4,024,000 | 5,578,000 | 6,675,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 63,231,000 | 64,857,000 | 66,425,000 | 67,536,000 |
| Total capital | 68,597,000 | 70,532,000 | 72,009,000 | 73,114,000 |
| Risk-weighted assets | 428,424,000 | 453,385,000 | 445,960,000 | 445,428,000 |