Call reports 2007
BANK OF CENTRAL FLORIDA — 2007
What BANK OF CENTRAL FLORIDA reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 24,714,000 | 29,796,000 | 38,410,000 | 53,428,000 |
| Total loans | 1,303,000 | 7,408,000 | 16,618,000 | 31,794,000 |
| Allowance for loan losses | 15,000 | 125,000 | 235,000 | 398,000 |
| Securities available for sale | 0 | 11,918,000 | 12,675,000 | 12,675,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,620,000 | 6,874,000 | 15,601,000 | 30,605,000 |
| Interest-bearing deposits | 1,607,000 | 5,100,000 | 12,568,000 | 22,601,000 |
| Noninterest-bearing deposits | 13,000 | 1,774,000 | 3,033,000 | 8,003,000 |
| Equity capital | 23,015,000 | 22,828,000 | 22,721,000 | 22,716,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 301,000 | 677,000 | 1,202,000 | 1,860,000 |
| Interest expense | 19,000 | 54,000 | 133,000 | 270,000 |
| Net interest income | 282,000 | 623,000 | 1,069,000 | 1,590,000 |
| Noninterest income | 0 | 1,000 | 3,000 | 44,000 |
| Noninterest expense | 869,000 | 1,485,000 | 2,164,000 | 2,822,000 |
| Provision for loan losses | 15,000 | 125,000 | 235,000 | 397,000 |
| Pretax income | -602,000 | -986,000 | -1,327,000 | -1,585,000 |
| Income tax | -225,000 | -354,000 | -463,000 | -552,000 |
| Net income | -377,000 | -632,000 | -864,000 | -1,033,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,015,000 | 22,892,000 | 22,773,000 | 22,691,000 |
| Total capital | 23,030,000 | 23,017,000 | 23,008,000 | 23,088,000 |
| Risk-weighted assets | 6,803,000 | 13,921,000 | 24,120,000 | 40,764,000 |