Call reports 2004
FLORIDA CHOICE BANK — 2004
What FLORIDA CHOICE 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 | 161,578,000 | 173,669,000 | 185,140,000 | 188,636,000 |
| Total loans | 129,646,000 | 137,466,000 | 142,223,000 | 154,899,000 |
| Allowance for loan losses | 1,696,000 | 1,765,000 | 1,738,000 | 1,741,000 |
| Securities available for sale | 10,326,000 | 9,113,000 | 8,647,000 | 8,146,000 |
| Securities held to maturity | 13,188,000 | 13,678,000 | 13,495,000 | 13,295,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 125,012,000 | 134,880,000 | 146,519,000 | 152,608,000 |
| Interest-bearing deposits | 108,147,000 | 115,348,000 | 124,268,000 | 128,357,000 |
| Noninterest-bearing deposits | 16,865,000 | 19,531,000 | 22,251,000 | 24,251,000 |
| Equity capital | 15,601,000 | 15,847,000 | 16,467,000 | 17,001,000 |
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 | 2,062,000 | 4,315,000 | 6,725,000 | 9,471,000 |
| Interest expense | 581,000 | 1,193,000 | 1,901,000 | 2,658,000 |
| Net interest income | 1,481,000 | 3,122,000 | 4,824,000 | 6,813,000 |
| Noninterest income | 292,000 | 519,000 | 704,000 | 877,000 |
| Noninterest expense | 1,149,000 | 2,312,000 | 3,397,000 | 4,712,000 |
| Provision for loan losses | 133,000 | 202,000 | 202,000 | 202,000 |
| Pretax income | 518,000 | 1,154,000 | 1,956,000 | 2,803,000 |
| Income tax | 191,000 | 411,000 | 696,000 | 996,000 |
| Net income | 327,000 | 743,000 | 1,260,000 | 1,807,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,585,000 | 16,001,000 | 16,518,000 | 17,065,000 |
| Total capital | 17,281,000 | 17,766,000 | 18,256,000 | 18,806,000 |
| Risk-weighted assets | 136,229,000 | 146,096,000 | 152,339,000 | 164,394,000 |
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