Call reports 2002
FIRST NATIONAL BANK OF CENTRAL FLORIDA — 2002
What FIRST NATIONAL BANK OF CENTRAL FLORIDA reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 182,138,000 | 185,328,000 | 201,048,000 | 221,108,000 |
| Total loans | 115,806,000 | 133,119,000 | 139,647,000 | 149,895,000 |
| Allowance for loan losses | 1,277,000 | 1,408,000 | 1,523,000 | 1,654,000 |
| Securities available for sale | 26,229,000 | 32,451,000 | 23,371,000 | 35,162,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 163,052,000 | 163,464,000 | 176,868,000 | 196,575,000 |
| Interest-bearing deposits | 119,488,000 | 119,222,000 | 129,933,000 | 149,108,000 |
| Noninterest-bearing deposits | 43,564,000 | 44,242,000 | 46,935,000 | 47,467,000 |
| Equity capital | 13,408,000 | 14,854,000 | 16,981,000 | 17,171,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 2,545,000 | 5,204,000 | 8,025,000 | 10,933,000 |
| Interest expense | 920,000 | 1,825,000 | 2,639,000 | 3,490,000 |
| Net interest income | 1,625,000 | 3,379,000 | 5,386,000 | 7,443,000 |
| Noninterest income | 697,000 | 1,262,000 | 1,905,000 | 2,742,000 |
| Noninterest expense | 2,255,000 | 4,544,000 | 6,843,000 | 9,275,000 |
| Provision for loan losses | 53,000 | 128,000 | 225,000 | 375,000 |
| Pretax income | 15,000 | 3,000 | 328,000 | 640,000 |
| Income tax | 6,000 | 1,000 | 123,000 | 240,000 |
| Net income | 9,000 | 2,000 | 205,000 | 400,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,985,000 | 14,223,000 | 16,583,000 | 16,562,000 |
| Total capital | 14,262,000 | 15,631,000 | 18,106,000 | 18,216,000 |
| Risk-weighted assets | 137,826,000 | 154,340,000 | 158,212,000 | 173,320,000 |