Call reports 2011
BANK OF CENTRAL FLORIDA — 2011
What BANK OF CENTRAL FLORIDA reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 206,970,000 | 226,722,000 | 244,338,000 | 258,673,000 |
| Total loans | 146,786,000 | 149,839,000 | 161,471,000 | 178,676,000 |
| Allowance for loan losses | 2,306,000 | 2,306,000 | 2,271,000 | 2,322,000 |
| Securities available for sale | 43,890,000 | 42,244,000 | 55,502,000 | 58,595,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 175,239,000 | 196,147,000 | 205,680,000 | 218,403,000 |
| Interest-bearing deposits | 136,589,000 | 154,659,000 | 159,717,000 | 160,074,000 |
| Noninterest-bearing deposits | 38,650,000 | 41,488,000 | 45,963,000 | 58,329,000 |
| Equity capital | 22,079,000 | 22,895,000 | 30,477,000 | 30,514,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 2,213,000 | 4,520,000 | 6,862,000 | 9,407,000 |
| Interest expense | 387,000 | 777,000 | 1,163,000 | 1,518,000 |
| Net interest income | 1,826,000 | 3,743,000 | 5,699,000 | 7,889,000 |
| Noninterest income | 49,000 | 108,000 | 163,000 | 235,000 |
| Noninterest expense | 1,479,000 | 2,944,000 | 4,431,000 | 6,059,000 |
| Provision for loan losses | 90,000 | 90,000 | 135,000 | 185,000 |
| Pretax income | 306,000 | 845,000 | 1,324,000 | 1,826,000 |
| Income tax | 118,000 | 326,000 | 512,000 | 701,000 |
| Net income | 188,000 | 519,000 | 812,000 | 1,125,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,128,000 | 21,576,000 | 29,328,000 | 29,669,000 |
| Total capital | 23,108,000 | 23,670,000 | 31,527,000 | 31,991,000 |
| Risk-weighted assets | 158,092,000 | 167,297,000 | 175,885,000 | 194,927,000 |