Call reports 2003
FLORIDA COMMUNITY BANK — 2003
What FLORIDA COMMUNITY 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 | 515,963,000 | 530,558,000 | 502,956,000 | 525,012,000 |
| Total loans | 417,762,000 | 419,690,000 | 424,260,000 | 437,593,000 |
| Allowance for loan losses | 6,722,000 | 6,999,000 | 7,681,000 | 8,067,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 28,549,000 | 23,423,000 | 26,620,000 | 35,752,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 417,588,000 | 434,494,000 | 409,456,000 | 423,669,000 |
| Interest-bearing deposits | 352,903,000 | 362,527,000 | 341,854,000 | 344,983,000 |
| Noninterest-bearing deposits | 64,685,000 | 71,967,000 | 67,602,000 | 78,686,000 |
| Equity capital | 45,906,000 | 48,058,000 | 49,998,000 | 51,593,000 |
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 | 8,297,000 | 16,733,000 | 25,232,000 | 33,492,000 |
| Interest expense | 2,684,000 | 5,286,000 | 7,539,000 | 9,557,000 |
| Net interest income | 5,613,000 | 11,447,000 | 17,693,000 | 23,935,000 |
| Noninterest income | 612,000 | 1,266,000 | 1,763,000 | 2,420,000 |
| Noninterest expense | 2,512,000 | 5,084,000 | 7,804,000 | 10,493,000 |
| Provision for loan losses | 300,000 | 600,000 | 1,300,000 | 1,700,000 |
| Pretax income | 3,413,000 | 7,029,000 | 10,352,000 | 14,162,000 |
| Income tax | 1,287,000 | 2,648,000 | 3,900,000 | 5,336,000 |
| Net income | 2,126,000 | 4,381,000 | 6,452,000 | 8,826,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 45,906,000 | 48,058,000 | 49,998,000 | 51,593,000 |
| Total capital | 51,783,000 | 53,946,000 | 55,977,000 | 57,721,000 |
| Risk-weighted assets | 469,299,000 | 469,919,000 | 476,602,000 | 488,269,000 |