Call reports 2013
BANK OF CENTRAL FLORIDA — 2013
What BANK OF CENTRAL FLORIDA reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 311,862,000 | 307,195,000 | 319,594,000 | 332,037,000 |
| Total loans | 198,958,000 | 210,862,000 | 222,469,000 | 240,470,000 |
| Allowance for loan losses | 2,481,000 | 2,450,000 | 2,450,000 | 2,136,000 |
| Securities available for sale | 63,866,000 | 73,533,000 | 71,803,000 | 67,972,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 275,369,000 | 264,417,000 | 273,133,000 | 288,991,000 |
| Interest-bearing deposits | 202,440,000 | 198,171,000 | 202,665,000 | 217,353,000 |
| Noninterest-bearing deposits | 72,929,000 | 66,246,000 | 70,468,000 | 71,638,000 |
| Equity capital | 32,742,000 | 31,810,000 | 32,645,000 | 33,374,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 2,649,000 | 5,441,000 | 8,343,000 | 11,320,000 |
| Interest expense | 277,000 | 545,000 | 818,000 | 1,094,000 |
| Net interest income | 2,372,000 | 4,896,000 | 7,525,000 | 10,226,000 |
| Noninterest income | 136,000 | 272,000 | 407,000 | 546,000 |
| Noninterest expense | 1,688,000 | 3,433,000 | 5,189,000 | 7,252,000 |
| Provision for loan losses | 80,000 | 80,000 | 80,000 | 80,000 |
| Pretax income | 789,000 | 1,704,000 | 2,712,000 | 3,502,000 |
| Income tax | 279,000 | 598,000 | 948,000 | 1,245,000 |
| Net income | 510,000 | 1,106,000 | 1,764,000 | 2,257,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,026,000 | 32,202,000 | 32,917,000 | 33,907,000 |
| Total capital | 34,507,000 | 34,652,000 | 35,367,000 | 36,043,000 |
| Risk-weighted assets | 218,205,000 | 232,623,000 | 243,287,000 | 258,702,000 |