Call reports 2004
FLORIDA GULF BANK — 2004
What FLORIDA GULF BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 148,112,000 | 175,150,000 | 175,365,000 | 207,021,000 |
| Total loans | 97,913,000 | 106,340,000 | 113,780,000 | 127,008,000 |
| Allowance for loan losses | 1,329,000 | 1,469,000 | 1,589,000 | 1,709,000 |
| Securities available for sale | 19,040,000 | 20,278,000 | 26,920,000 | 37,584,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 117,047,000 | 137,607,000 | 142,212,000 | 163,195,000 |
| Interest-bearing deposits | 82,810,000 | 106,534,000 | 110,966,000 | 128,343,000 |
| Noninterest-bearing deposits | 34,237,000 | 31,073,000 | 31,246,000 | 34,852,000 |
| Equity capital | 10,839,000 | 16,219,000 | 16,637,000 | 16,843,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,540,000 | 3,156,000 | 5,042,000 | 7,309,000 |
| Interest expense | 341,000 | 702,000 | 1,142,000 | 1,717,000 |
| Net interest income | 1,199,000 | 2,454,000 | 3,900,000 | 5,592,000 |
| Noninterest income | 177,000 | 398,000 | 581,000 | 815,000 |
| Noninterest expense | 1,018,000 | 2,013,000 | 3,123,000 | 4,394,000 |
| Provision for loan losses | 120,000 | 260,000 | 380,000 | 500,000 |
| Pretax income | 238,000 | 579,000 | 978,000 | 1,513,000 |
| Income tax | 91,000 | 220,000 | 374,000 | 575,000 |
| Net income | 147,000 | 359,000 | 604,000 | 938,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,847,000 | 16,366,000 | 16,624,000 | 16,690,000 |
| Total capital | 12,176,000 | 17,835,000 | 18,213,000 | 18,399,000 |
| Risk-weighted assets | 112,387,000 | 127,203,000 | 132,126,000 | 145,008,000 |
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