Call reports 2016
BANK OF CENTRAL FLORIDA — 2016
What BANK OF CENTRAL FLORIDA reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 421,672,000 | 418,637,000 | 424,995,000 | 449,952,000 |
| Total loans | 275,672,000 | 280,413,000 | 281,092,000 | 294,085,000 |
| Allowance for loan losses | 2,596,000 | 2,658,000 | 2,700,000 | 2,742,000 |
| Securities available for sale | 102,447,000 | 101,282,000 | 103,422,000 | 107,998,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 385,279,000 | 381,446,000 | 386,891,000 | 412,067,000 |
| Interest-bearing deposits | 281,412,000 | 272,103,000 | 267,483,000 | 294,571,000 |
| Noninterest-bearing deposits | 103,867,000 | 109,343,000 | 119,408,000 | 117,496,000 |
| Equity capital | 34,005,000 | 35,263,000 | 35,784,000 | 35,385,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 3,520,000 | 7,115,000 | 10,738,000 | 14,395,000 |
| Interest expense | 237,000 | 490,000 | 721,000 | 929,000 |
| Net interest income | 3,283,000 | 6,625,000 | 10,017,000 | 13,466,000 |
| Noninterest income | 263,000 | 460,000 | 678,000 | 890,000 |
| Noninterest expense | 2,074,000 | 4,188,000 | 6,369,000 | 8,689,000 |
| Provision for loan losses | 30,000 | 90,000 | 150,000 | 190,000 |
| Pretax income | 1,442,000 | 2,802,000 | 4,171,000 | 5,472,000 |
| Income tax | 492,000 | 983,000 | 1,480,000 | 1,944,000 |
| Net income | 950,000 | 1,819,000 | 2,691,000 | 3,528,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 33,545,000 | 33,886,000 | 34,679,000 | 36,076,000 |
| Total capital | 36,141,000 | 36,544,000 | 37,379,000 | 38,818,000 |
| Risk-weighted assets | 307,444,000 | 307,945,000 | 314,807,000 | 334,461,000 |