Call reports 2018
BANK OF CENTRAL FLORIDA — 2018
What BANK OF CENTRAL FLORIDA reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 525,022,000 | 489,009,000 | 492,021,000 | 516,716,000 |
| Total loans | 336,462,000 | 333,915,000 | 344,112,000 | 338,230,000 |
| Allowance for loan losses | 3,085,000 | 3,212,000 | 3,297,000 | 3,301,000 |
| Securities available for sale | 109,675,000 | 105,481,000 | 101,273,000 | 99,710,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 483,673,000 | 446,742,000 | 449,197,000 | 470,432,000 |
| Interest-bearing deposits | 331,741,000 | 303,185,000 | 296,146,000 | 316,422,000 |
| Noninterest-bearing deposits | 151,932,000 | 143,557,000 | 153,051,000 | 154,010,000 |
| Equity capital | 38,644,000 | 39,972,000 | 40,982,000 | 43,899,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 4,567,000 | 9,254,000 | 13,959,000 | 18,793,000 |
| Interest expense | 303,000 | 725,000 | 1,265,000 | 1,907,000 |
| Net interest income | 4,264,000 | 8,529,000 | 12,694,000 | 16,886,000 |
| Noninterest income | 207,000 | 419,000 | 634,000 | 848,000 |
| Noninterest expense | 2,354,000 | 4,662,000 | 6,942,000 | 9,354,000 |
| Provision for loan losses | 44,000 | 169,000 | 319,000 | 319,000 |
| Pretax income | 2,073,000 | 4,128,000 | 6,078,000 | 8,072,000 |
| Income tax | 467,000 | 930,000 | 1,368,000 | 1,779,000 |
| Net income | 1,606,000 | 3,198,000 | 4,710,000 | 6,293,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 41,157,000 | 42,754,000 | 44,272,000 | 45,858,000 |
| Total capital | 44,242,000 | 45,966,000 | 47,569,000 | 49,159,000 |
| Risk-weighted assets | 343,683,000 | 340,595,000 | 350,865,000 | 343,847,000 |