Call reports 2022
BANK OF CENTRAL FLORIDA — 2022
What BANK OF CENTRAL FLORIDA reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 1,009,599,000 | 965,730,000 | 1,100,657,000 | 961,073,000 |
| Total loans | 493,905,000 | 527,799,000 | 554,892,000 | 618,424,000 |
| Allowance for loan losses | 5,005,000 | 5,191,000 | 5,483,000 | 5,688,000 |
| Securities available for sale | 218,718,000 | 234,508,000 | 273,956,000 | 284,357,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 945,212,000 | 903,817,000 | 1,027,590,000 | 879,796,000 |
| Interest-bearing deposits | 540,159,000 | 519,651,000 | 626,200,000 | 504,468,000 |
| Noninterest-bearing deposits | 405,053,000 | 384,166,000 | 401,390,000 | 375,328,000 |
| Equity capital | 60,985,000 | 56,549,000 | 67,516,000 | 69,618,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 5,900,000 | 12,694,000 | 21,521,000 | 31,520,000 |
| Interest expense | 229,000 | 384,000 | 1,295,000 | 3,183,000 |
| Net interest income | 5,671,000 | 12,310,000 | 20,226,000 | 28,337,000 |
| Noninterest income | 456,000 | 1,054,000 | 1,567,000 | 1,982,000 |
| Noninterest expense | 4,132,000 | 8,399,000 | 12,869,000 | 18,016,000 |
| Provision for loan losses | 75,000 | 250,000 | 525,000 | 825,000 |
| Pretax income | 1,920,000 | 4,715,000 | 8,399,000 | 11,478,000 |
| Income tax | 396,000 | 923,000 | 1,741,000 | 2,577,000 |
| Net income | 1,524,000 | 3,792,000 | 6,658,000 | 8,901,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 70,236,000 | 71,334,000 | 88,449,000 | 90,478,000 |
| Total capital | 75,241,000 | 76,525,000 | 93,932,000 | 96,166,000 |
| Risk-weighted assets | 576,906,000 | 580,535,000 | 663,370,000 | 733,546,000 |