Call reports 2007
FIRST NATIONAL BANK OF CENTRAL FLORIDA — 2007
What FIRST NATIONAL BANK OF CENTRAL FLORIDA reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 404,572,000 | 420,740,000 | 425,977,000 | 437,586,000 |
| Total loans | 340,355,000 | 358,515,000 | 362,038,000 | 368,542,000 |
| Allowance for loan losses | 3,962,000 | 4,090,000 | 4,173,000 | 4,144,000 |
| Securities available for sale | 46,987,000 | 44,467,000 | 46,665,000 | 43,814,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 344,494,000 | 350,735,000 | 347,732,000 | 337,029,000 |
| Interest-bearing deposits | 294,127,000 | 304,612,000 | 308,474,000 | 297,677,000 |
| Noninterest-bearing deposits | 50,367,000 | 46,123,000 | 39,258,000 | 39,352,000 |
| Equity capital | 34,044,000 | 35,592,000 | 36,437,000 | 37,060,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 7,056,000 | 14,445,000 | 22,051,000 | 29,601,000 |
| Interest expense | 3,367,000 | 7,060,000 | 10,912,000 | 14,762,000 |
| Net interest income | 3,689,000 | 7,385,000 | 11,139,000 | 14,839,000 |
| Noninterest income | 537,000 | 1,117,000 | 1,553,000 | 2,021,000 |
| Noninterest expense | 2,818,000 | 5,642,000 | 8,482,000 | 11,817,000 |
| Provision for loan losses | 129,000 | 256,000 | 382,000 | 640,000 |
| Pretax income | 1,279,000 | 2,604,000 | 3,812,000 | 4,387,000 |
| Income tax | 466,000 | 949,000 | 1,388,000 | 1,588,000 |
| Net income | 813,000 | 1,655,000 | 2,424,000 | 2,799,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 34,451,000 | 36,115,000 | 36,703,000 | 37,076,000 |
| Total capital | 38,413,000 | 40,205,000 | 40,876,000 | 41,220,000 |
| Risk-weighted assets | 375,968,000 | 390,633,000 | 394,613,000 | 409,626,000 |