Call reports 2024
BANK OF CENTRAL FLORIDA — 2024
What BANK OF CENTRAL FLORIDA reported to the FFIEC in 2024, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Total assets | 1,087,312,000 | 1,086,814,000 | 1,117,421,000 | 1,153,440,000 |
| Total loans | 746,939,000 | 757,763,000 | 763,948,000 | 753,711,000 |
| Allowance for loan losses | 6,972,000 | 7,151,000 | 7,261,000 | 7,399,000 |
| Securities available for sale | 202,822,000 | 203,873,000 | 204,058,000 | 207,330,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,008,125,000 | 1,003,333,000 | 1,027,032,000 | 1,063,238,000 |
| Interest-bearing deposits | 677,948,000 | 660,390,000 | 681,588,000 | 733,643,000 |
| Noninterest-bearing deposits | 330,177,000 | 342,943,000 | 345,444,000 | 329,595,000 |
| Equity capital | 69,848,000 | 73,969,000 | 80,308,000 | 78,919,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Interest income | 13,255,000 | 26,998,000 | 41,100,000 | 55,407,000 |
| Interest expense | 4,392,000 | 8,989,000 | 13,589,000 | 17,832,000 |
| Net interest income | 8,863,000 | 18,009,000 | 27,511,000 | 37,575,000 |
| Noninterest income | 626,000 | 1,456,000 | 2,011,000 | 2,538,000 |
| Noninterest expense | 5,462,000 | 11,033,000 | 16,822,000 | 23,245,000 |
| Provision for loan losses | 151,000 | 326,000 | 436,000 | 862,000 |
| Pretax income | 3,827,000 | 8,053,000 | 12,220,000 | 15,952,000 |
| Income tax | 922,000 | 1,949,000 | 3,024,000 | 3,460,000 |
| Net income | 2,905,000 | 6,104,000 | 9,196,000 | 12,492,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Tier 1 capital | 88,448,000 | 91,324,000 | 92,455,000 | 95,302,000 |
| Total capital | 95,469,000 | 98,528,000 | 99,760,000 | 102,755,000 |
| Risk-weighted assets | 781,532,000 | 790,396,000 | 791,030,000 | 780,404,000 |