Call reports 2019
BANK OF CENTRAL FLORIDA — 2019
What BANK OF CENTRAL FLORIDA reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 514,891,000 | 519,486,000 | 511,886,000 | 571,425,000 |
| Total loans | 351,809,000 | 348,466,000 | 352,210,000 | 386,072,000 |
| Allowance for loan losses | 3,091,000 | 3,129,000 | 3,169,000 | 3,435,000 |
| Securities available for sale | 97,930,000 | 96,033,000 | 94,594,000 | 91,391,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 469,329,000 | 470,654,000 | 462,701,000 | 521,070,000 |
| Interest-bearing deposits | 318,448,000 | 299,889,000 | 299,881,000 | 339,068,000 |
| Noninterest-bearing deposits | 150,881,000 | 170,765,000 | 162,820,000 | 182,002,000 |
| Equity capital | 43,128,000 | 46,494,000 | 46,807,000 | 48,099,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 4,927,000 | 10,196,000 | 15,238,000 | 20,270,000 |
| Interest expense | 749,000 | 1,585,000 | 2,288,000 | 2,834,000 |
| Net interest income | 4,178,000 | 8,611,000 | 12,950,000 | 17,436,000 |
| Noninterest income | 216,000 | 447,000 | 731,000 | 1,008,000 |
| Noninterest expense | 2,327,000 | 4,899,000 | 7,685,000 | 10,710,000 |
| Provision for loan losses | 50,000 | 75,000 | 75,000 | 375,000 |
| Pretax income | 2,017,000 | 5,047,000 | 6,790,000 | 8,228,000 |
| Income tax | 440,000 | 1,159,000 | 1,551,000 | 1,796,000 |
| Net income | 1,577,000 | 3,888,000 | 5,239,000 | 6,432,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 43,837,000 | 46,150,000 | 46,554,000 | 47,749,000 |
| Total capital | 46,928,000 | 49,279,000 | 49,723,000 | 51,184,000 |
| Risk-weighted assets | 356,776,000 | 351,738,000 | 359,389,000 | 396,322,000 |