Call reports 2014
BANK OF CENTRAL FLORIDA — 2014
What BANK OF CENTRAL FLORIDA reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 336,378,000 | 346,252,000 | 341,556,000 | 362,654,000 |
| Total loans | 241,409,000 | 247,676,000 | 250,349,000 | 260,631,000 |
| Allowance for loan losses | 2,221,000 | 2,274,000 | 2,320,000 | 2,254,000 |
| Securities available for sale | 66,807,000 | 67,326,000 | 63,219,000 | 61,287,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 294,730,000 | 304,459,000 | 301,275,000 | 321,871,000 |
| Interest-bearing deposits | 216,381,000 | 228,046,000 | 218,802,000 | 238,131,000 |
| Noninterest-bearing deposits | 78,349,000 | 76,413,000 | 82,473,000 | 83,740,000 |
| Equity capital | 34,698,000 | 35,852,000 | 36,398,000 | 37,162,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 2,981,000 | 6,030,000 | 9,137,000 | 12,255,000 |
| Interest expense | 270,000 | 548,000 | 833,000 | 1,110,000 |
| Net interest income | 2,711,000 | 5,482,000 | 8,304,000 | 11,145,000 |
| Noninterest income | 175,000 | 332,000 | 504,000 | 677,000 |
| Noninterest expense | 1,863,000 | 3,783,000 | 5,777,000 | 7,786,000 |
| Provision for loan losses | 75,000 | 140,000 | 185,000 | 230,000 |
| Pretax income | 948,000 | 1,891,000 | 2,901,000 | 3,901,000 |
| Income tax | 331,000 | 660,000 | 1,013,000 | 1,282,000 |
| Net income | 617,000 | 1,231,000 | 1,888,000 | 2,619,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 34,888,000 | 35,957,000 | 36,736,000 | 37,000,000 |
| Total capital | 37,109,000 | 38,231,000 | 39,056,000 | 39,254,000 |
| Risk-weighted assets | 259,258,000 | 262,830,000 | 262,653,000 | 274,248,000 |