Call reports 2009
FIRST CITY BANK OF FLORIDA — 2009
What FIRST CITY BANK OF FLORIDA reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 309,792,000 | 293,483,000 | 301,215,000 | 293,701,000 |
| Total loans | 239,789,000 | 229,470,000 | 224,497,000 | 222,670,000 |
| Allowance for loan losses | 3,116,000 | 4,669,000 | 5,512,000 | 5,464,000 |
| Securities available for sale | 20,475,000 | 19,118,000 | 23,984,000 | 23,504,000 |
| Securities held to maturity | 783,000 | 784,000 | 414,000 | 414,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 272,296,000 | 260,438,000 | 270,165,000 | 262,575,000 |
| Interest-bearing deposits | 244,873,000 | 233,383,000 | 242,238,000 | 238,572,000 |
| Noninterest-bearing deposits | 27,423,000 | 27,055,000 | 27,927,000 | 24,003,000 |
| Equity capital | 20,235,000 | 15,977,000 | 14,815,000 | 14,984,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 3,486,000 | 6,696,000 | 9,735,000 | 12,529,000 |
| Interest expense | 1,683,000 | 3,302,000 | 4,792,000 | 6,179,000 |
| Net interest income | 1,803,000 | 3,394,000 | 4,943,000 | 6,350,000 |
| Noninterest income | 416,000 | 762,000 | 950,000 | 822,000 |
| Noninterest expense | 2,250,000 | 4,893,000 | 6,616,000 | 8,776,000 |
| Provision for loan losses | 712,000 | 3,862,000 | 5,386,000 | 5,386,000 |
| Pretax income | -703,000 | -4,285,000 | -5,789,000 | -6,630,000 |
| Income tax | -6,000 | -6,000 | -6,000 | -6,000 |
| Net income | -697,000 | -4,279,000 | -5,783,000 | -6,624,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,961,000 | 16,378,000 | 14,874,000 | 15,156,000 |
| Total capital | 22,986,000 | 19,236,000 | 17,639,000 | 17,872,000 |
| Risk-weighted assets | 241,912,000 | 226,866,000 | 218,457,000 | 214,508,000 |