Call reports 2008
FIRST CITY BANK OF FLORIDA — 2008
What FIRST CITY BANK OF FLORIDA reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 311,604,000 | 304,337,000 | 301,876,000 | 296,914,000 |
| Total loans | 253,594,000 | 250,341,000 | 249,153,000 | 244,630,000 |
| Allowance for loan losses | 3,844,000 | 4,026,000 | 3,103,000 | 2,802,000 |
| Securities available for sale | 21,427,000 | 20,821,000 | 21,615,000 | 21,709,000 |
| Securities held to maturity | 822,000 | 823,000 | 823,000 | 783,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 245,489,000 | 258,575,000 | 256,605,000 | 253,965,000 |
| Interest-bearing deposits | 211,330,000 | 228,244,000 | 226,755,000 | 226,890,000 |
| Noninterest-bearing deposits | 34,159,000 | 30,331,000 | 29,850,000 | 27,075,000 |
| Equity capital | 25,104,000 | 23,689,000 | 23,009,000 | 20,781,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 4,637,000 | 9,065,000 | 13,275,000 | 16,934,000 |
| Interest expense | 2,347,000 | 4,485,000 | 6,548,000 | 8,398,000 |
| Net interest income | 2,290,000 | 4,580,000 | 6,727,000 | 8,536,000 |
| Noninterest income | 533,000 | 543,000 | 890,000 | 1,317,000 |
| Noninterest expense | 2,196,000 | 4,311,000 | 6,363,000 | 8,882,000 |
| Provision for loan losses | 250,000 | 2,450,000 | 3,506,000 | 7,861,000 |
| Pretax income | 382,000 | -1,632,000 | -2,230,000 | -6,862,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 382,000 | -1,632,000 | -2,230,000 | -6,862,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,952,000 | 23,937,000 | 23,290,000 | 20,657,000 |
| Total capital | 28,217,000 | 27,164,000 | 26,393,000 | 23,459,000 |
| Risk-weighted assets | 260,584,000 | 257,330,000 | 253,283,000 | 245,581,000 |