Call reports 2016
FLORIDA BUSINESS BANK — 2016
What FLORIDA BUSINESS BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 109,347,000 | 107,617,000 | 111,062,000 | 113,354,000 |
| Total loans | 76,287,000 | 76,347,000 | 76,408,000 | 79,878,000 |
| Allowance for loan losses | 1,355,000 | 1,342,000 | 1,149,000 | 1,192,000 |
| Securities available for sale | 11,437,000 | 11,168,000 | 10,717,000 | 9,862,000 |
| Securities held to maturity | 3,612,000 | 3,608,000 | 3,605,000 | 3,602,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 92,608,000 | 90,857,000 | 94,044,000 | 96,334,000 |
| Interest-bearing deposits | 64,960,000 | 63,572,000 | 66,769,000 | 69,716,000 |
| Noninterest-bearing deposits | 27,648,000 | 27,285,000 | 27,275,000 | 26,618,000 |
| Equity capital | 16,162,000 | 16,482,000 | 16,744,000 | 16,751,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,031,000 | 2,158,000 | 3,230,000 | 4,311,000 |
| Interest expense | 90,000 | 178,000 | 270,000 | 370,000 |
| Net interest income | 941,000 | 1,980,000 | 2,960,000 | 3,941,000 |
| Noninterest income | 42,000 | 72,000 | 106,000 | 132,000 |
| Noninterest expense | 694,000 | 1,378,000 | 2,056,000 | 2,762,000 |
| Provision for loan losses | 0 | -60,000 | -50,000 | -40,000 |
| Pretax income | 316,000 | 761,000 | 1,087,000 | 1,378,000 |
| Income tax | 112,000 | 273,000 | 389,000 | 492,000 |
| Net income | 204,000 | 488,000 | 698,000 | 886,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,397,000 | 15,847,000 | 16,179,000 | 16,431,000 |
| Total capital | 16,389,000 | 16,859,000 | 17,199,000 | 17,499,000 |
| Risk-weighted assets | 78,677,000 | 80,432,000 | 81,330,000 | 85,168,000 |