Call reports 2005
FIRST CITY BANK OF FLORIDA — 2005
What FIRST CITY BANK OF FLORIDA reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 229,691,000 | 252,387,000 | 263,306,000 | 274,569,000 |
| Total loans | 187,916,000 | 211,891,000 | 213,289,000 | 229,373,000 |
| Allowance for loan losses | 2,222,000 | 2,275,000 | 2,389,000 | 2,538,000 |
| Securities available for sale | 20,910,000 | 20,520,000 | 19,915,000 | 20,868,000 |
| Securities held to maturity | 2,595,000 | 2,286,000 | 2,286,000 | 2,251,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 201,279,000 | 211,981,000 | 231,510,000 | 224,744,000 |
| Interest-bearing deposits | 162,329,000 | 170,315,000 | 184,200,000 | 186,020,000 |
| Noninterest-bearing deposits | 38,950,000 | 41,666,000 | 47,310,000 | 38,724,000 |
| Equity capital | 17,045,000 | 19,512,000 | 21,279,000 | 22,704,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 3,162,000 | 6,779,000 | 11,054,000 | 15,493,000 |
| Interest expense | 765,000 | 1,727,000 | 2,942,000 | 4,347,000 |
| Net interest income | 2,397,000 | 5,052,000 | 8,112,000 | 11,146,000 |
| Noninterest income | 402,000 | 893,000 | 1,296,000 | 1,708,000 |
| Noninterest expense | 1,711,000 | 3,607,000 | 5,533,000 | 7,564,000 |
| Provision for loan losses | 75,000 | 150,000 | 270,000 | 420,000 |
| Pretax income | 1,010,000 | 2,191,000 | 3,608,000 | 4,841,000 |
| Income tax | 3,000 | 4,000 | 4,000 | 5,000 |
| Net income | 1,007,000 | 2,187,000 | 3,604,000 | 4,836,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,428,000 | 19,732,000 | 21,552,000 | 23,184,000 |
| Total capital | 19,650,000 | 22,007,000 | 23,941,000 | 25,722,000 |
| Risk-weighted assets | 187,611,000 | 214,732,000 | 216,257,000 | 229,505,000 |