Call reports 2003
FLORIDA GULF BANK — 2003
What FLORIDA GULF BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 92,317,000 | 105,095,000 | 119,025,000 | 124,385,000 |
| Total loans | 58,291,000 | 71,597,000 | 78,633,000 | 89,975,000 |
| Allowance for loan losses | 789,000 | 969,000 | 1,089,000 | 1,209,000 |
| Securities available for sale | 8,994,000 | 9,534,000 | 12,383,000 | 16,641,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 72,524,000 | 85,123,000 | 94,689,000 | 98,951,000 |
| Interest-bearing deposits | 54,778,000 | 67,282,000 | 73,253,000 | 77,368,000 |
| Noninterest-bearing deposits | 17,746,000 | 17,841,000 | 21,436,000 | 21,583,000 |
| Equity capital | 10,451,000 | 10,435,000 | 10,503,000 | 10,661,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,016,000 | 2,176,000 | 3,469,000 | 4,914,000 |
| Interest expense | 291,000 | 611,000 | 931,000 | 1,270,000 |
| Net interest income | 725,000 | 1,565,000 | 2,538,000 | 3,644,000 |
| Noninterest income | 140,000 | 330,000 | 500,000 | 707,000 |
| Noninterest expense | 724,000 | 1,551,000 | 2,411,000 | 3,342,000 |
| Provision for loan losses | 95,000 | 275,000 | 395,000 | 515,000 |
| Pretax income | 46,000 | 69,000 | 232,000 | 494,000 |
| Income tax | 17,000 | 27,000 | 87,000 | 187,000 |
| Net income | 29,000 | 42,000 | 145,000 | 307,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,218,000 | 10,157,000 | 10,410,000 | 10,700,000 |
| Total capital | 11,007,000 | 11,126,000 | 11,499,000 | 11,898,000 |
| Risk-weighted assets | 69,846,000 | 82,692,000 | 90,085,000 | 95,808,000 |
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