Call reports 2008
FIRST NATIONAL BANK OF CENTRAL FLORIDA — 2008
What FIRST NATIONAL BANK OF CENTRAL FLORIDA reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 472,157,000 | 486,818,000 | 457,045,000 | 519,080,000 |
| Total loans | 377,806,000 | 379,686,000 | 379,538,000 | 374,480,000 |
| Allowance for loan losses | 4,449,000 | 4,603,000 | 6,189,000 | 6,423,000 |
| Securities available for sale | 48,908,000 | 48,164,000 | 43,923,000 | 57,793,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 373,010,000 | 381,865,000 | 352,408,000 | 427,859,000 |
| Interest-bearing deposits | 335,546,000 | 341,032,000 | 312,192,000 | 393,850,000 |
| Noninterest-bearing deposits | 37,464,000 | 40,833,000 | 40,216,000 | 34,009,000 |
| Equity capital | 41,213,000 | 41,699,000 | 42,990,000 | 39,998,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 7,144,000 | 14,074,000 | 20,996,000 | 27,481,000 |
| Interest expense | 3,634,000 | 6,878,000 | 9,999,000 | 13,291,000 |
| Net interest income | 3,510,000 | 7,196,000 | 10,997,000 | 14,190,000 |
| Noninterest income | 506,000 | 1,063,000 | 1,468,000 | 520,000 |
| Noninterest expense | 2,902,000 | 5,951,000 | 8,950,000 | 12,621,000 |
| Provision for loan losses | 315,000 | 1,126,000 | 2,878,000 | 6,581,000 |
| Pretax income | 799,000 | 1,182,000 | 637,000 | -4,492,000 |
| Income tax | 266,000 | 370,000 | 128,000 | -1,832,000 |
| Net income | 533,000 | 812,000 | 509,000 | -2,660,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 40,815,000 | 41,941,000 | 42,938,000 | 39,574,000 |
| Total capital | 45,264,000 | 46,544,000 | 48,040,000 | 44,734,000 |
| Risk-weighted assets | 426,666,000 | 423,477,000 | 407,095,000 | 411,612,000 |