Call reports 2003
FLORIDA BANK — 2003
What FLORIDA BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 80,178,000 | 78,964,000 | 77,816,000 | 96,299,000 |
| Total loans | 58,069,000 | 57,780,000 | 59,578,000 | 62,278,000 |
| Allowance for loan losses | 719,000 | 742,000 | 764,000 | 786,000 |
| Securities available for sale | 3,906,000 | 3,491,000 | 3,034,000 | 2,871,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 64,480,000 | 63,262,000 | 62,230,000 | 80,801,000 |
| Interest-bearing deposits | 55,732,000 | 54,749,000 | 52,646,000 | 60,589,000 |
| Noninterest-bearing deposits | 8,749,000 | 8,513,000 | 9,584,000 | 20,212,000 |
| Equity capital | 13,415,000 | 13,451,000 | 13,355,000 | 13,297,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,053,000 | 2,112,000 | 3,150,000 | 4,091,000 |
| Interest expense | 317,000 | 643,000 | 951,000 | 1,243,000 |
| Net interest income | 736,000 | 1,469,000 | 2,199,000 | 2,848,000 |
| Noninterest income | 56,000 | 107,000 | 157,000 | 212,000 |
| Noninterest expense | 559,000 | 1,135,000 | 1,874,000 | 3,396,000 |
| Provision for loan losses | 22,000 | 45,000 | 67,000 | 89,000 |
| Pretax income | 211,000 | 396,000 | 415,000 | -425,000 |
| Income tax | 102,000 | 195,000 | 232,000 | 0 |
| Net income | 109,000 | 201,000 | 183,000 | -425,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,247,000 | 8,336,000 | 8,324,000 | 8,317,000 |
| Total capital | 8,895,000 | 8,972,000 | 8,994,000 | 9,073,000 |
| Risk-weighted assets | 51,213,000 | 50,806,000 | 53,519,000 | 60,480,000 |