Call reports 2008
FLORIDA BUSINESS BANK — 2008
What FLORIDA BUSINESS 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 | 165,393,000 | 153,935,000 | 150,236,000 | 126,370,000 |
| Total loans | 109,086,000 | 101,862,000 | 90,594,000 | 88,278,000 |
| Allowance for loan losses | 1,529,000 | 1,525,000 | 1,543,000 | 2,742,000 |
| Securities available for sale | 16,916,000 | 15,791,000 | 15,268,000 | 14,895,000 |
| Securities held to maturity | 416,000 | 417,000 | 417,000 | 417,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 102,646,000 | 97,798,000 | 93,753,000 | 95,941,000 |
| Interest-bearing deposits | 79,369,000 | 72,919,000 | 69,789,000 | 75,279,000 |
| Noninterest-bearing deposits | 23,277,000 | 24,879,000 | 23,964,000 | 20,662,000 |
| Equity capital | 32,374,000 | 32,365,000 | 32,066,000 | 14,250,000 |
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 | 2,396,000 | 4,469,000 | 6,326,000 | 7,994,000 |
| Interest expense | 1,154,000 | 2,113,000 | 2,961,000 | 3,831,000 |
| Net interest income | 1,242,000 | 2,356,000 | 3,365,000 | 4,163,000 |
| Noninterest income | 44,000 | 75,000 | 102,000 | -520,000 |
| Noninterest expense | 830,000 | 1,693,000 | 2,575,000 | 23,666,000 |
| Provision for loan losses | 81,000 | 214,000 | 963,000 | 3,009,000 |
| Pretax income | 375,000 | 524,000 | -71,000 | -23,032,000 |
| Income tax | 135,000 | 188,000 | -38,000 | -2,014,000 |
| Net income | 240,000 | 336,000 | -33,000 | -21,018,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,721,000 | 13,082,000 | 12,691,000 | 14,019,000 |
| Total capital | 14,244,000 | 14,503,000 | 13,990,000 | 15,286,000 |
| Risk-weighted assets | 121,851,000 | 113,654,000 | 103,681,000 | 99,450,000 |
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