Call reports 2017
BANK OF CENTRAL FLORIDA — 2017
What BANK OF CENTRAL FLORIDA reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 482,367,000 | 503,190,000 | 500,704,000 | 492,008,000 |
| Total loans | 295,733,000 | 304,512,000 | 313,943,000 | 324,786,000 |
| Allowance for loan losses | 2,781,000 | 2,829,000 | 2,831,000 | 3,038,000 |
| Securities available for sale | 116,193,000 | 122,148,000 | 118,300,000 | 120,682,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 443,691,000 | 462,812,000 | 458,988,000 | 450,088,000 |
| Interest-bearing deposits | 317,630,000 | 315,235,000 | 309,004,000 | 290,523,000 |
| Noninterest-bearing deposits | 126,061,000 | 147,577,000 | 149,984,000 | 159,565,000 |
| Equity capital | 36,295,000 | 38,234,000 | 39,389,000 | 39,294,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 3,825,000 | 7,903,000 | 12,136,000 | 16,481,000 |
| Interest expense | 243,000 | 493,000 | 743,000 | 992,000 |
| Net interest income | 3,582,000 | 7,410,000 | 11,393,000 | 15,489,000 |
| Noninterest income | 196,000 | 401,000 | 598,000 | 808,000 |
| Noninterest expense | 2,182,000 | 4,511,000 | 6,798,000 | 9,189,000 |
| Provision for loan losses | 0 | 0 | 0 | 205,000 |
| Pretax income | 1,596,000 | 3,313,000 | 5,206,000 | 6,862,000 |
| Income tax | 531,000 | 1,085,000 | 1,710,000 | 2,928,000 |
| Net income | 1,065,000 | 2,228,000 | 3,496,000 | 3,934,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 36,874,000 | 38,143,000 | 39,440,000 | 39,980,000 |
| Total capital | 39,655,000 | 40,972,000 | 42,271,000 | 43,018,000 |
| Risk-weighted assets | 310,085,000 | 314,782,000 | 324,215,000 | 335,045,000 |