Call reports 2005
FLORIDA GULF BANK — 2005
What FLORIDA GULF BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 242,010,000 | 276,379,000 | 283,446,000 | 300,277,000 |
| Total loans | 135,548,000 | 150,332,000 | 171,607,000 | 194,319,000 |
| Allowance for loan losses | 1,859,000 | 2,059,000 | 2,209,000 | 2,284,000 |
| Securities available for sale | 44,317,000 | 61,929,000 | 62,003,000 | 57,285,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 192,766,000 | 217,818,000 | 223,144,000 | 241,580,000 |
| Interest-bearing deposits | 153,921,000 | 173,192,000 | 173,138,000 | 190,294,000 |
| Noninterest-bearing deposits | 38,845,000 | 44,626,000 | 50,005,000 | 51,285,000 |
| Equity capital | 16,758,000 | 17,457,000 | 17,687,000 | 17,745,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 2,453,000 | 5,486,000 | 8,909,000 | 12,664,000 |
| Interest expense | 751,000 | 1,711,000 | 2,850,000 | 4,212,000 |
| Net interest income | 1,702,000 | 3,775,000 | 6,059,000 | 8,452,000 |
| Noninterest income | 176,000 | 607,000 | 890,000 | 1,098,000 |
| Noninterest expense | 1,387,000 | 3,044,000 | 4,739,000 | 6,524,000 |
| Provision for loan losses | 150,000 | 350,000 | 500,000 | 575,000 |
| Pretax income | 341,000 | 988,000 | 1,710,000 | 2,451,000 |
| Income tax | 129,000 | 375,000 | 650,000 | 931,000 |
| Net income | 212,000 | 613,000 | 1,060,000 | 1,520,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,902,000 | 17,322,000 | 17,776,000 | 18,252,000 |
| Total capital | 18,761,000 | 19,381,000 | 19,985,000 | 24,536,000 |
| Risk-weighted assets | 159,356,000 | 177,016,000 | 193,610,000 | 216,750,000 |
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