Call reports 2004
FLORIDA COMMUNITY BANK — 2004
What FLORIDA COMMUNITY BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 564,932,000 | 600,685,000 | 602,366,000 | 660,027,000 |
| Total loans | 453,590,000 | 497,717,000 | 512,224,000 | 552,509,000 |
| Allowance for loan losses | 8,419,000 | 8,430,000 | 9,228,000 | 9,791,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 34,413,000 | 42,768,000 | 41,804,000 | 69,330,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 467,311,000 | 501,177,000 | 484,379,000 | 521,618,000 |
| Interest-bearing deposits | 381,890,000 | 399,633,000 | 387,715,000 | 407,369,000 |
| Noninterest-bearing deposits | 85,421,000 | 101,544,000 | 96,664,000 | 114,249,000 |
| Equity capital | 54,222,000 | 56,759,000 | 59,849,000 | 62,242,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 9,047,000 | 18,627,000 | 28,737,000 | 39,462,000 |
| Interest expense | 2,043,000 | 4,160,000 | 6,314,000 | 8,668,000 |
| Net interest income | 7,004,000 | 14,467,000 | 22,423,000 | 30,794,000 |
| Noninterest income | 718,000 | 1,827,000 | 2,476,000 | 3,399,000 |
| Noninterest expense | 2,788,000 | 5,751,000 | 8,656,000 | 11,573,000 |
| Provision for loan losses | 300,000 | 500,000 | 1,250,000 | 1,971,000 |
| Pretax income | 4,634,000 | 10,043,000 | 14,993,000 | 20,649,000 |
| Income tax | 1,744,000 | 3,783,000 | 5,644,000 | 7,969,000 |
| Net income | 2,890,000 | 6,260,000 | 9,349,000 | 12,680,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 54,222,000 | 56,759,000 | 59,849,000 | 62,242,000 |
| Total capital | 60,680,000 | 63,668,000 | 66,827,000 | 69,844,000 |
| Risk-weighted assets | 514,685,000 | 551,189,000 | 556,021,000 | 605,965,000 |
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