Call reports 2015
FLORIDA BUSINESS BANK — 2015
What FLORIDA BUSINESS BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 110,292,000 | 108,701,000 | 105,179,000 | 101,107,000 |
| Total loans | 76,473,000 | 74,500,000 | 70,690,000 | 71,253,000 |
| Allowance for loan losses | 1,343,000 | 1,409,000 | 1,325,000 | 1,319,000 |
| Securities available for sale | 18,744,000 | 12,322,000 | 11,918,000 | 11,409,000 |
| Securities held to maturity | 3,625,000 | 3,621,000 | 3,618,000 | 3,615,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 94,450,000 | 93,012,000 | 88,979,000 | 84,573,000 |
| Interest-bearing deposits | 70,217,000 | 67,163,000 | 64,279,000 | 61,172,000 |
| Noninterest-bearing deposits | 24,233,000 | 25,849,000 | 24,700,000 | 23,401,000 |
| Equity capital | 15,315,000 | 15,352,000 | 15,667,000 | 15,964,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 975,000 | 1,942,000 | 2,893,000 | 3,875,000 |
| Interest expense | 108,000 | 212,000 | 306,000 | 394,000 |
| Net interest income | 867,000 | 1,730,000 | 2,587,000 | 3,481,000 |
| Noninterest income | 32,000 | 61,000 | 93,000 | 172,000 |
| Noninterest expense | 661,000 | 1,292,000 | 1,970,000 | 2,694,000 |
| Provision for loan losses | 41,000 | 56,000 | -69,000 | -369,000 |
| Pretax income | 199,000 | 464,000 | 800,000 | 1,381,000 |
| Income tax | 68,000 | 162,000 | 294,000 | 506,000 |
| Net income | 131,000 | 302,000 | 506,000 | 875,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,637,000 | 14,171,000 | 14,484,000 | 15,075,000 |
| Total capital | 15,638,000 | 15,144,000 | 15,409,000 | 16,015,000 |
| Risk-weighted assets | 79,753,000 | 76,693,000 | 72,978,000 | 74,339,000 |