Call reports 2012
BANK OF CENTRAL FLORIDA — 2012
What BANK OF CENTRAL FLORIDA reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 267,642,000 | 265,884,000 | 292,569,000 | 326,617,000 |
| Total loans | 183,939,000 | 186,726,000 | 190,429,000 | 206,984,000 |
| Allowance for loan losses | 2,211,000 | 2,346,000 | 2,545,000 | 2,395,000 |
| Securities available for sale | 55,696,000 | 51,618,000 | 55,646,000 | 60,640,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 232,926,000 | 230,406,000 | 256,660,000 | 290,725,000 |
| Interest-bearing deposits | 181,932,000 | 188,636,000 | 198,696,000 | 209,472,000 |
| Noninterest-bearing deposits | 50,994,000 | 41,770,000 | 57,964,000 | 81,253,000 |
| Equity capital | 31,016,000 | 31,639,000 | 32,249,000 | 32,515,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 2,685,000 | 5,319,000 | 7,974,000 | 10,705,000 |
| Interest expense | 324,000 | 647,000 | 951,000 | 1,248,000 |
| Net interest income | 2,361,000 | 4,672,000 | 7,023,000 | 9,457,000 |
| Noninterest income | 70,000 | 160,000 | 238,000 | 330,000 |
| Noninterest expense | 1,768,000 | 3,295,000 | 4,847,000 | 6,488,000 |
| Provision for loan losses | 70,000 | 205,000 | 430,000 | 580,000 |
| Pretax income | 593,000 | 1,524,000 | 2,295,000 | 3,030,000 |
| Income tax | 223,000 | 583,000 | 831,000 | 1,140,000 |
| Net income | 370,000 | 941,000 | 1,464,000 | 1,890,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,976,000 | 30,486,000 | 31,058,000 | 31,681,000 |
| Total capital | 32,187,000 | 32,832,000 | 33,589,000 | 34,076,000 |
| Risk-weighted assets | 197,966,000 | 199,855,000 | 202,488,000 | 227,107,000 |