Call reports 2003
FIRST CITY BANK OF FLORIDA — 2003
What FIRST CITY BANK OF FLORIDA 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 | 181,499,000 | 186,612,000 | 189,131,000 | 195,253,000 |
| Total loans | 138,715,000 | 142,575,000 | 148,572,000 | 154,871,000 |
| Allowance for loan losses | 2,084,000 | 1,682,000 | 1,661,000 | 1,706,000 |
| Securities available for sale | 17,973,000 | 20,022,000 | 19,872,000 | 18,995,000 |
| Securities held to maturity | 2,718,000 | 2,423,000 | 3,421,000 | 3,391,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 153,365,000 | 153,498,000 | 152,454,000 | 158,293,000 |
| Interest-bearing deposits | 129,337,000 | 125,749,000 | 124,705,000 | 130,817,000 |
| Noninterest-bearing deposits | 24,028,000 | 27,749,000 | 27,749,000 | 27,476,000 |
| Equity capital | 14,729,000 | 15,179,000 | 15,216,000 | 15,626,000 |
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 | 2,663,000 | 5,209,000 | 7,721,000 | 10,312,000 |
| Interest expense | 802,000 | 1,559,000 | 2,213,000 | 2,850,000 |
| Net interest income | 1,861,000 | 3,650,000 | 5,508,000 | 7,462,000 |
| Noninterest income | 463,000 | 969,000 | 1,419,000 | 1,880,000 |
| Noninterest expense | 1,561,000 | 3,098,000 | 4,697,000 | 6,411,000 |
| Provision for loan losses | 45,000 | 160,000 | 265,000 | 370,000 |
| Pretax income | 718,000 | 1,374,000 | 1,979,000 | 2,575,000 |
| Income tax | 261,000 | 446,000 | 650,000 | 843,000 |
| Net income | 457,000 | 928,000 | 1,329,000 | 1,732,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,429,000 | 14,901,000 | 15,125,000 | 15,475,000 |
| Total capital | 16,152,000 | 16,583,000 | 16,786,000 | 17,181,000 |
| Risk-weighted assets | 137,455,000 | 143,210,000 | 150,271,000 | 157,306,000 |