Call reports 2006
FIRST NATIONAL BANK OF CENTRAL FLORIDA — 2006
What FIRST NATIONAL BANK OF CENTRAL FLORIDA reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 376,383,000 | 382,154,000 | 424,702,000 | 412,412,000 |
| Total loans | 273,298,000 | 295,863,000 | 309,909,000 | 321,427,000 |
| Allowance for loan losses | 3,286,000 | 3,498,000 | 3,709,000 | 3,812,000 |
| Securities available for sale | 58,751,000 | 55,997,000 | 53,803,000 | 53,168,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 325,820,000 | 338,095,000 | 369,321,000 | 357,660,000 |
| Interest-bearing deposits | 269,547,000 | 281,474,000 | 318,829,000 | 306,271,000 |
| Noninterest-bearing deposits | 56,273,000 | 56,621,000 | 50,492,000 | 51,389,000 |
| Equity capital | 29,629,000 | 30,169,000 | 32,331,000 | 33,334,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 5,537,000 | 11,799,000 | 18,734,000 | 25,968,000 |
| Interest expense | 2,059,000 | 4,594,000 | 7,754,000 | 11,251,000 |
| Net interest income | 3,478,000 | 7,205,000 | 10,980,000 | 14,717,000 |
| Noninterest income | 622,000 | 1,347,000 | 1,936,000 | 2,568,000 |
| Noninterest expense | 2,753,000 | 5,591,000 | 8,337,000 | 11,002,000 |
| Provision for loan losses | 207,000 | 414,000 | 621,000 | 726,000 |
| Pretax income | 1,139,000 | 2,541,000 | 3,952,000 | 5,551,000 |
| Income tax | 414,000 | 927,000 | 1,442,000 | 2,028,000 |
| Net income | 725,000 | 1,614,000 | 2,510,000 | 3,523,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,457,000 | 31,266,000 | 32,988,000 | 33,818,000 |
| Total capital | 33,743,000 | 34,764,000 | 36,697,000 | 37,630,000 |
| Risk-weighted assets | 312,235,000 | 335,623,000 | 361,367,000 | 365,179,000 |