Call reports 2008
FLORIDA GULF BANK — 2008
What FLORIDA GULF BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 332,815,000 | 340,779,000 | 335,867,000 | 335,560,000 |
| Total loans | 254,020,000 | 265,414,000 | 264,546,000 | 274,547,000 |
| Allowance for loan losses | 2,750,000 | 2,657,000 | 2,747,000 | 3,205,000 |
| Securities available for sale | 40,500,000 | 33,127,000 | 31,551,000 | 35,765,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 249,355,000 | 256,595,000 | 247,206,000 | 247,197,000 |
| Interest-bearing deposits | 203,884,000 | 212,660,000 | 202,931,000 | 205,483,000 |
| Noninterest-bearing deposits | 45,471,000 | 43,935,000 | 44,275,000 | 41,714,000 |
| Equity capital | 22,081,000 | 25,118,000 | 25,426,000 | 26,918,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 4,542,000 | 9,076,000 | 13,555,000 | 17,896,000 |
| Interest expense | 2,146,000 | 4,018,000 | 5,810,000 | 7,590,000 |
| Net interest income | 2,396,000 | 5,058,000 | 7,745,000 | 10,306,000 |
| Noninterest income | 337,000 | 530,000 | 743,000 | 982,000 |
| Noninterest expense | 2,315,000 | 4,608,000 | 6,916,000 | 9,195,000 |
| Provision for loan losses | 90,000 | 315,000 | 680,000 | 1,500,000 |
| Pretax income | 328,000 | 665,000 | 892,000 | 593,000 |
| Income tax | 127,000 | 260,000 | 348,000 | 240,000 |
| Net income | 201,000 | 405,000 | 544,000 | 353,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,903,000 | 25,351,000 | 25,415,000 | 26,724,000 |
| Total capital | 28,653,000 | 32,008,000 | 32,162,000 | 33,929,000 |
| Risk-weighted assets | 275,606,000 | 279,589,000 | 276,421,000 | 279,536,000 |
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