Call reports 2012
FLORIDA BUSINESS BANK — 2012
What FLORIDA BUSINESS BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 118,556,000 | 114,264,000 | 112,850,000 | 109,419,000 |
| Total loans | 67,200,000 | 68,833,000 | 67,234,000 | 67,943,000 |
| Allowance for loan losses | 1,636,000 | 1,622,000 | 1,412,000 | 1,235,000 |
| Securities available for sale | 39,033,000 | 30,180,000 | 31,815,000 | 30,185,000 |
| Securities held to maturity | 1,056,000 | 3,020,000 | 3,658,000 | 3,655,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 98,402,000 | 100,006,000 | 92,744,000 | 93,571,000 |
| Interest-bearing deposits | 84,421,000 | 82,976,000 | 77,018,000 | 78,446,000 |
| Noninterest-bearing deposits | 13,981,000 | 17,030,000 | 15,726,000 | 15,125,000 |
| Equity capital | 13,582,000 | 13,786,000 | 13,938,000 | 13,971,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,015,000 | 2,012,000 | 2,983,000 | 3,953,000 |
| Interest expense | 194,000 | 372,000 | 532,000 | 681,000 |
| Net interest income | 821,000 | 1,640,000 | 2,451,000 | 3,272,000 |
| Noninterest income | 60,000 | 91,000 | 169,000 | 147,000 |
| Noninterest expense | 779,000 | 1,550,000 | 2,266,000 | 3,014,000 |
| Provision for loan losses | -25,000 | -25,000 | 16,000 | -20,000 |
| Pretax income | 127,000 | 252,000 | 393,000 | 527,000 |
| Income tax | 50,000 | 95,000 | 144,000 | 187,000 |
| Net income | 77,000 | 157,000 | 249,000 | 340,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,524,000 | 11,778,000 | 11,954,000 | 12,094,000 |
| Total capital | 12,387,000 | 12,633,000 | 12,791,000 | 12,947,000 |
| Risk-weighted assets | 68,296,000 | 67,625,000 | 66,417,000 | 67,843,000 |