Call reports 2003
FIRST NATIONAL BANK OF CENTRAL FLORIDA — 2003
What FIRST NATIONAL BANK OF CENTRAL FLORIDA reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 239,028,000 | 238,277,000 | 237,162,000 | 259,096,000 |
| Total loans | 155,512,000 | 161,035,000 | 165,312,000 | 172,649,000 |
| Allowance for loan losses | 1,680,000 | 1,714,000 | 1,806,000 | 1,936,000 |
| Securities available for sale | 36,996,000 | 38,507,000 | 38,732,000 | 38,068,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 214,878,000 | 215,643,000 | 213,073,000 | 237,126,000 |
| Interest-bearing deposits | 162,433,000 | 167,306,000 | 160,758,000 | 188,769,000 |
| Noninterest-bearing deposits | 52,445,000 | 48,337,000 | 52,315,000 | 48,357,000 |
| Equity capital | 17,174,000 | 17,277,000 | 17,352,000 | 17,882,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 2,774,000 | 5,578,000 | 8,253,000 | 11,079,000 |
| Interest expense | 829,000 | 1,714,000 | 2,439,000 | 3,168,000 |
| Net interest income | 1,945,000 | 3,864,000 | 5,814,000 | 7,911,000 |
| Noninterest income | 762,000 | 1,563,000 | 2,427,000 | 3,173,000 |
| Noninterest expense | 2,479,000 | 4,998,000 | 7,540,000 | 9,913,000 |
| Provision for loan losses | 55,000 | 110,000 | 215,000 | 330,000 |
| Pretax income | 173,000 | 319,000 | 512,000 | 867,000 |
| Income tax | 65,000 | 120,000 | 192,000 | 283,000 |
| Net income | 108,000 | 199,000 | 320,000 | 584,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,863,000 | 16,954,000 | 17,280,000 | 17,694,000 |
| Total capital | 18,543,000 | 18,668,000 | 19,086,000 | 19,630,000 |
| Risk-weighted assets | 182,497,000 | 181,146,000 | 190,850,000 | 195,714,000 |