Call reports 2021
BANK OF CENTRAL FLORIDA — 2021
What BANK OF CENTRAL FLORIDA reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 833,129,000 | 882,073,000 | 887,400,000 | 963,095,000 |
| Total loans | 440,090,000 | 420,368,000 | 419,785,000 | 455,678,000 |
| Allowance for loan losses | 5,372,000 | 4,984,000 | 4,910,000 | 4,919,000 |
| Securities available for sale | 124,687,000 | 120,579,000 | 114,885,000 | 157,437,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 772,936,000 | 810,475,000 | 814,842,000 | 889,716,000 |
| Interest-bearing deposits | 442,227,000 | 470,075,000 | 467,876,000 | 524,059,000 |
| Noninterest-bearing deposits | 330,709,000 | 340,400,000 | 346,966,000 | 365,657,000 |
| Equity capital | 57,700,000 | 68,642,000 | 69,196,000 | 69,297,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 5,430,000 | 10,723,000 | 15,951,000 | 21,313,000 |
| Interest expense | 274,000 | 559,000 | 830,000 | 1,102,000 |
| Net interest income | 5,156,000 | 10,164,000 | 15,121,000 | 20,211,000 |
| Noninterest income | 449,000 | 1,007,000 | 1,409,000 | 2,232,000 |
| Noninterest expense | 3,241,000 | 6,808,000 | 10,502,000 | 14,623,000 |
| Provision for loan losses | -400,000 | -800,000 | -800,000 | -800,000 |
| Pretax income | 2,764,000 | 5,163,000 | 6,828,000 | 8,620,000 |
| Income tax | 599,000 | 1,126,000 | 1,470,000 | 1,782,000 |
| Net income | 2,165,000 | 4,037,000 | 5,358,000 | 6,838,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 57,308,000 | 68,290,000 | 68,737,000 | 70,065,000 |
| Total capital | 62,302,000 | 73,274,000 | 73,647,000 | 74,984,000 |
| Risk-weighted assets | 399,164,000 | 400,544,000 | 420,751,000 | 475,518,000 |