Call reports 2023
BANK OF CENTRAL FLORIDA — 2023
What BANK OF CENTRAL FLORIDA reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 1,074,023,000 | 1,031,612,000 | 1,085,672,000 | 1,109,820,000 |
| Total loans | 637,338,000 | 656,894,000 | 683,522,000 | 720,925,000 |
| Allowance for loan losses | 6,166,000 | 6,531,000 | 6,799,000 | 6,813,000 |
| Securities available for sale | 245,914,000 | 238,436,000 | 229,688,000 | 243,297,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 992,408,000 | 949,961,000 | 1,007,042,000 | 1,028,887,000 |
| Interest-bearing deposits | 627,866,000 | 600,661,000 | 622,089,000 | 683,656,000 |
| Noninterest-bearing deposits | 364,542,000 | 349,300,000 | 384,953,000 | 345,231,000 |
| Equity capital | 73,336,000 | 73,236,000 | 70,358,000 | 71,247,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 10,680,000 | 21,926,000 | 33,370,000 | 45,841,000 |
| Interest expense | 2,951,000 | 6,519,000 | 10,212,000 | 14,315,000 |
| Net interest income | 7,729,000 | 15,407,000 | 23,158,000 | 31,526,000 |
| Noninterest income | 594,000 | 1,057,000 | 1,552,000 | 2,037,000 |
| Noninterest expense | 4,913,000 | 10,558,000 | 15,688,000 | 20,661,000 |
| Provision for loan losses | 450,000 | 810,000 | 1,070,000 | 1,070,000 |
| Pretax income | 2,950,000 | 5,086,000 | 7,942,000 | 11,822,000 |
| Income tax | 727,000 | 658,000 | 1,106,000 | 2,053,000 |
| Net income | 2,223,000 | 4,428,000 | 6,836,000 | 9,769,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 90,305,000 | 92,233,000 | 93,061,000 | 88,213,000 |
| Total capital | 96,470,000 | 98,764,000 | 99,859,000 | 95,026,000 |
| Risk-weighted assets | 752,917,000 | 694,474,000 | 721,820,000 | 755,421,000 |