Call reports 2025
BANK OF CENTRAL FLORIDA — 2025
What BANK OF CENTRAL FLORIDA reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 1,197,066,000 | 1,209,502,000 | 1,243,204,000 | 1,203,168,000 |
| Total loans | 783,619,000 | 778,524,000 | 795,836,000 | 820,969,000 |
| Allowance for loan losses | 7,849,000 | 7,801,000 | 7,908,000 | 8,560,000 |
| Securities available for sale | 211,961,000 | 214,113,000 | 251,164,000 | 243,712,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,103,890,000 | 1,112,804,000 | 1,141,460,000 | 1,095,310,000 |
| Interest-bearing deposits | 745,197,000 | 773,798,000 | 776,657,000 | 770,124,000 |
| Noninterest-bearing deposits | 358,693,000 | 339,006,000 | 364,803,000 | 325,186,000 |
| Equity capital | 82,659,000 | 86,963,000 | 92,029,000 | 96,754,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 14,606,000 | 29,486,000 | 44,921,000 | 60,206,000 |
| Interest expense | 3,943,000 | 8,253,000 | 12,984,000 | 17,280,000 |
| Net interest income | 10,663,000 | 21,233,000 | 31,937,000 | 42,926,000 |
| Noninterest income | 545,000 | 1,096,000 | 1,633,000 | 2,182,000 |
| Noninterest expense | 5,688,000 | 11,945,000 | 17,720,000 | 23,718,000 |
| Provision for loan losses | 450,000 | 450,000 | 725,000 | 1,375,000 |
| Pretax income | 5,070,000 | 9,918,000 | 15,113,000 | 19,996,000 |
| Income tax | 1,235,000 | 2,075,000 | 3,279,000 | 4,466,000 |
| Net income | 3,835,000 | 7,843,000 | 11,834,000 | 15,530,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 96,153,000 | 100,094,000 | 102,332,000 | 105,957,000 |
| Total capital | 104,056,000 | 107,965,000 | 110,306,000 | 114,590,000 |
| Risk-weighted assets | 865,633,000 | 824,386,000 | 838,489,000 | 858,303,000 |