Call reports 2015
BANK OF CENTRAL FLORIDA — 2015
What BANK OF CENTRAL FLORIDA reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 405,213,000 | 401,640,000 | 426,155,000 | 412,470,000 |
| Total loans | 266,130,000 | 267,332,000 | 254,730,000 | 273,758,000 |
| Allowance for loan losses | 2,350,000 | 2,175,000 | 2,347,000 | 2,561,000 |
| Securities available for sale | 60,498,000 | 62,749,000 | 62,306,000 | 99,570,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 364,549,000 | 360,969,000 | 385,283,000 | 359,729,000 |
| Interest-bearing deposits | 270,539,000 | 263,044,000 | 274,964,000 | 249,489,000 |
| Noninterest-bearing deposits | 94,010,000 | 97,925,000 | 110,319,000 | 110,240,000 |
| Equity capital | 37,703,000 | 37,763,000 | 38,844,000 | 38,974,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 3,184,000 | 6,477,000 | 9,700,000 | 13,075,000 |
| Interest expense | 284,000 | 544,000 | 808,000 | 1,058,000 |
| Net interest income | 2,900,000 | 5,933,000 | 8,892,000 | 12,017,000 |
| Noninterest income | 172,000 | 334,000 | 520,000 | 700,000 |
| Noninterest expense | 1,984,000 | 4,037,000 | 6,151,000 | 8,301,000 |
| Provision for loan losses | 96,000 | 306,000 | 525,000 | 735,000 |
| Pretax income | 992,000 | 1,890,000 | 2,702,000 | 3,647,000 |
| Income tax | 345,000 | 655,000 | 936,000 | 1,298,000 |
| Net income | 647,000 | 1,235,000 | 1,766,000 | 2,349,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 37,434,000 | 37,644,000 | 38,342,000 | 39,448,000 |
| Total capital | 39,784,000 | 39,819,000 | 40,689,000 | 42,009,000 |
| Risk-weighted assets | 281,489,000 | 286,431,000 | 285,083,000 | 308,320,000 |