Call reports 2005
FIRST NATIONAL BANK OF CENTRAL FLORIDA — 2005
What FIRST NATIONAL BANK OF CENTRAL FLORIDA reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 318,654,000 | 340,299,000 | 354,835,000 | 349,896,000 |
| Total loans | 203,971,000 | 216,871,000 | 236,739,000 | 254,481,000 |
| Allowance for loan losses | 2,556,000 | 2,646,000 | 2,796,000 | 3,065,000 |
| Securities available for sale | 51,693,000 | 59,574,000 | 81,166,000 | 68,793,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 287,067,000 | 306,198,000 | 317,240,000 | 313,062,000 |
| Interest-bearing deposits | 229,065,000 | 248,247,000 | 258,661,000 | 256,296,000 |
| Noninterest-bearing deposits | 58,002,000 | 57,951,000 | 58,579,000 | 56,766,000 |
| Equity capital | 21,261,000 | 23,084,000 | 25,535,000 | 25,997,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 3,722,000 | 7,959,000 | 12,770,000 | 18,093,000 |
| Interest expense | 1,072,000 | 2,463,000 | 4,096,000 | 5,931,000 |
| Net interest income | 2,650,000 | 5,496,000 | 8,674,000 | 12,162,000 |
| Noninterest income | 512,000 | 1,229,000 | 1,968,000 | 2,623,000 |
| Noninterest expense | 2,286,000 | 4,693,000 | 7,221,000 | 9,624,000 |
| Provision for loan losses | 120,000 | 262,000 | 384,000 | 683,000 |
| Pretax income | 756,000 | 1,770,000 | 3,037,000 | 4,343,000 |
| Income tax | 270,000 | 636,000 | 1,099,000 | 1,575,000 |
| Net income | 486,000 | 1,134,000 | 1,938,000 | 2,768,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,630,000 | 23,298,000 | 25,902,000 | 26,733,000 |
| Total capital | 24,186,000 | 25,944,000 | 28,698,000 | 29,798,000 |
| Risk-weighted assets | 241,572,000 | 258,867,000 | 280,158,000 | 295,734,000 |