Call reports 2020
FLORIDA BUSINESS BANK — 2020
What FLORIDA BUSINESS BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 159,137,000 | 196,404,000 | 204,474,000 | 181,597,000 |
| Total loans | 117,591,000 | 153,710,000 | 151,751,000 | 143,493,000 |
| Allowance for loan losses | 1,405,000 | 1,620,000 | 1,844,000 | 1,877,000 |
| Securities available for sale | 19,365,000 | 18,551,000 | 21,601,000 | 26,433,000 |
| Securities held to maturity | 2,844,000 | 2,842,000 | 2,650,000 | 2,647,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 139,904,000 | 176,285,000 | 184,194,000 | 160,768,000 |
| Interest-bearing deposits | 91,899,000 | 95,019,000 | 116,284,000 | 100,963,000 |
| Noninterest-bearing deposits | 48,005,000 | 81,266,000 | 67,910,000 | 59,805,000 |
| Equity capital | 17,923,000 | 18,540,000 | 19,060,000 | 19,931,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 1,744,000 | 3,675,000 | 5,681,000 | 7,849,000 |
| Interest expense | 345,000 | 639,000 | 922,000 | 1,142,000 |
| Net interest income | 1,399,000 | 3,036,000 | 4,759,000 | 6,707,000 |
| Noninterest income | 44,000 | 79,000 | 127,000 | 183,000 |
| Noninterest expense | 855,000 | 1,702,000 | 2,559,000 | 3,461,000 |
| Provision for loan losses | 0 | 200,000 | 400,000 | 400,000 |
| Pretax income | 604,000 | 1,230,000 | 2,132,000 | 3,234,000 |
| Income tax | 146,000 | 298,000 | 518,000 | 786,000 |
| Net income | 458,000 | 932,000 | 1,614,000 | 2,448,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,682,000 | 18,160,000 | 18,845,000 | 19,683,000 |
| Total capital | 19,087,000 | 19,775,000 | 20,456,000 | 21,343,000 |
| Risk-weighted assets | 128,429,000 | 129,209,000 | 128,651,000 | 132,645,000 |