Call reports 2004
FIRST CITY BANK OF FLORIDA — 2004
What FIRST CITY BANK OF FLORIDA 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 | 205,167,000 | 211,886,000 | 222,675,000 | 225,112,000 |
| Total loans | 161,365,000 | 167,519,000 | 175,909,000 | 178,658,000 |
| Allowance for loan losses | 1,811,000 | 1,913,000 | 2,046,000 | 2,151,000 |
| Securities available for sale | 18,690,000 | 20,021,000 | 20,222,000 | 21,621,000 |
| Securities held to maturity | 2,394,000 | 2,394,000 | 2,594,000 | 2,595,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 173,250,000 | 179,326,000 | 187,577,000 | 190,732,000 |
| Interest-bearing deposits | 146,015,000 | 149,632,000 | 149,338,000 | 152,705,000 |
| Noninterest-bearing deposits | 27,235,000 | 29,694,000 | 38,239,000 | 38,027,000 |
| Equity capital | 15,588,000 | 15,959,000 | 16,873,000 | 17,682,000 |
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 | 2,555,000 | 5,254,000 | 8,084,000 | 11,083,000 |
| Interest expense | 643,000 | 1,293,000 | 1,977,000 | 2,707,000 |
| Net interest income | 1,912,000 | 3,961,000 | 6,107,000 | 8,376,000 |
| Noninterest income | 475,000 | 958,000 | 1,457,000 | 1,928,000 |
| Noninterest expense | 1,650,000 | 3,324,000 | 5,017,000 | 6,764,000 |
| Provision for loan losses | 105,000 | 210,000 | 315,000 | 420,000 |
| Pretax income | 634,000 | 1,387,000 | 2,234,000 | 3,127,000 |
| Income tax | 548,000 | 548,000 | 548,000 | 548,000 |
| Net income | 86,000 | 839,000 | 1,686,000 | 2,579,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,403,000 | 16,156,000 | 16,833,000 | 17,726,000 |
| Total capital | 17,214,000 | 18,069,000 | 18,879,000 | 19,877,000 |
| Risk-weighted assets | 160,084,000 | 168,452,000 | 180,548,000 | 188,370,000 |