Call reports 2010
BANK OF CENTRAL FLORIDA — 2010
What BANK OF CENTRAL FLORIDA reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 176,544,000 | 185,855,000 | 199,913,000 | 209,159,000 |
| Total loans | 121,616,000 | 126,597,000 | 128,819,000 | 139,381,000 |
| Allowance for loan losses | 1,930,000 | 2,020,000 | 2,170,000 | 2,305,000 |
| Securities available for sale | 39,787,000 | 46,119,000 | 48,483,000 | 44,011,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 145,403,000 | 153,973,000 | 167,799,000 | 177,502,000 |
| Interest-bearing deposits | 114,262,000 | 124,481,000 | 132,498,000 | 145,655,000 |
| Noninterest-bearing deposits | 31,141,000 | 29,492,000 | 35,301,000 | 31,847,000 |
| Equity capital | 21,116,000 | 21,825,000 | 22,070,000 | 21,698,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 1,995,000 | 4,087,000 | 6,234,000 | 8,396,000 |
| Interest expense | 394,000 | 821,000 | 1,202,000 | 1,574,000 |
| Net interest income | 1,601,000 | 3,266,000 | 5,032,000 | 6,822,000 |
| Noninterest income | 50,000 | 102,000 | 151,000 | 203,000 |
| Noninterest expense | 1,377,000 | 2,746,000 | 4,174,000 | 5,570,000 |
| Provision for loan losses | 425,000 | 515,000 | 665,000 | 800,000 |
| Pretax income | -151,000 | 168,000 | 424,000 | 735,000 |
| Income tax | -52,000 | 70,000 | 171,000 | 293,000 |
| Net income | -99,000 | 98,000 | 253,000 | 442,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,106,000 | 20,665,000 | 21,018,000 | 21,024,000 |
| Total capital | 21,808,000 | 22,430,000 | 22,819,000 | 22,938,000 |
| Risk-weighted assets | 135,948,000 | 140,984,000 | 143,747,000 | 152,787,000 |