Call reports 2004
FIRST NATIONAL BANK OF CENTRAL FLORIDA — 2004
What FIRST NATIONAL BANK OF CENTRAL FLORIDA reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 248,773,000 | 271,453,000 | 268,991,000 | 261,082,000 |
| Total loans | 176,845,000 | 177,465,000 | 190,332,000 | 205,576,000 |
| Allowance for loan losses | 2,085,000 | 2,174,000 | 2,306,000 | 2,424,000 |
| Securities available for sale | 33,918,000 | 30,697,000 | 37,600,000 | 38,063,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 227,237,000 | 243,993,000 | 240,582,000 | 232,447,000 |
| Interest-bearing deposits | 204,191,000 | 228,017,000 | 194,590,000 | 218,146,000 |
| Noninterest-bearing deposits | 23,046,000 | 15,976,000 | 45,992,000 | 14,301,000 |
| Equity capital | 18,168,000 | 17,835,000 | 19,801,000 | 20,533,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 2,842,000 | 5,650,000 | 8,808,000 | 12,309,000 |
| Interest expense | 688,000 | 1,373,000 | 2,208,000 | 3,114,000 |
| Net interest income | 2,154,000 | 4,277,000 | 6,600,000 | 9,195,000 |
| Noninterest income | 606,000 | 1,294,000 | 1,932,000 | 2,542,000 |
| Noninterest expense | 2,373,000 | 4,764,000 | 7,053,000 | 9,208,000 |
| Provision for loan losses | 160,000 | 270,000 | 380,000 | 495,000 |
| Pretax income | 284,000 | 594,000 | 1,156,000 | 2,091,000 |
| Income tax | 96,000 | 203,000 | 403,000 | 741,000 |
| Net income | 188,000 | 391,000 | 753,000 | 1,350,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,882,000 | 18,085,000 | 19,697,000 | 20,544,000 |
| Total capital | 19,967,000 | 20,259,000 | 22,003,000 | 22,968,000 |
| Risk-weighted assets | 198,440,000 | 198,977,000 | 218,505,000 | 229,667,000 |