Call reports 2020
BANK OF CENTRAL FLORIDA — 2020
What BANK OF CENTRAL FLORIDA reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 595,981,000 | 745,603,000 | 790,627,000 | 766,215,000 |
| Total loans | 403,967,000 | 491,053,000 | 490,882,000 | 447,293,000 |
| Allowance for loan losses | 3,753,000 | 7,540,000 | 7,551,000 | 5,756,000 |
| Securities available for sale | 89,605,000 | 66,221,000 | 63,389,000 | 80,286,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 544,449,000 | 692,307,000 | 732,559,000 | 705,366,000 |
| Interest-bearing deposits | 356,018,000 | 420,511,000 | 433,875,000 | 404,772,000 |
| Noninterest-bearing deposits | 188,431,000 | 271,796,000 | 298,684,000 | 300,594,000 |
| Equity capital | 49,494,000 | 50,761,000 | 56,645,000 | 58,489,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 5,096,000 | 13,293,000 | 18,260,000 | 21,821,000 |
| Interest expense | 472,000 | 798,000 | 1,108,000 | 1,392,000 |
| Net interest income | 4,624,000 | 12,495,000 | 17,152,000 | 20,429,000 |
| Noninterest income | 301,000 | 569,000 | 871,000 | 1,182,000 |
| Noninterest expense | 2,963,000 | 5,928,000 | 8,953,000 | 12,109,000 |
| Provision for loan losses | 305,000 | 4,080,000 | 4,080,000 | 2,271,000 |
| Pretax income | 1,657,000 | 3,552,000 | 5,486,000 | 7,727,000 |
| Income tax | 335,000 | 667,000 | 1,072,000 | 1,554,000 |
| Net income | 1,322,000 | 2,885,000 | 4,414,000 | 6,173,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 47,675,000 | 49,240,000 | 55,073,000 | 56,834,000 |
| Total capital | 51,428,000 | 54,223,000 | 60,022,000 | 61,703,000 |
| Risk-weighted assets | 416,755,000 | 396,125,000 | 393,333,000 | 388,652,000 |