Call reports 2006
FIRST CITY BANK OF FLORIDA — 2006
What FIRST CITY BANK OF FLORIDA reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 285,205,000 | 289,863,000 | 288,154,000 | 280,481,000 |
| Total loans | 237,404,000 | 248,821,000 | 238,827,000 | 235,413,000 |
| Allowance for loan losses | 2,691,000 | 2,573,000 | 2,794,000 | 3,007,000 |
| Securities available for sale | 21,333,000 | 22,931,000 | 23,057,000 | 23,392,000 |
| Securities held to maturity | 2,092,000 | 1,948,000 | 1,748,000 | 1,714,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 247,893,000 | 239,447,000 | 254,414,000 | 245,645,000 |
| Interest-bearing deposits | 207,014,000 | 199,843,000 | 218,386,000 | 213,461,000 |
| Noninterest-bearing deposits | 40,879,000 | 39,604,000 | 36,028,000 | 32,184,000 |
| Equity capital | 22,685,000 | 23,427,000 | 24,673,000 | 26,257,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 4,823,000 | 10,039,000 | 15,818,000 | 21,438,000 |
| Interest expense | 1,698,000 | 3,680,000 | 5,983,000 | 8,277,000 |
| Net interest income | 3,125,000 | 6,359,000 | 9,835,000 | 13,161,000 |
| Noninterest income | 463,000 | 869,000 | 1,306,000 | 1,784,000 |
| Noninterest expense | 1,920,000 | 3,880,000 | 5,818,000 | 7,858,000 |
| Provision for loan losses | 150,000 | 300,000 | 525,000 | 750,000 |
| Pretax income | 1,522,000 | 3,052,000 | 4,802,000 | 6,342,000 |
| Income tax | 9,000 | 14,000 | 16,000 | 19,000 |
| Net income | 1,513,000 | 3,038,000 | 4,786,000 | 6,323,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,332,000 | 24,254,000 | 25,154,000 | 26,616,000 |
| Total capital | 26,023,000 | 26,827,000 | 27,948,000 | 29,576,000 |
| Risk-weighted assets | 238,612,000 | 245,576,000 | 240,770,000 | 236,732,000 |