Call reports 2009
FIRST NATIONAL BANK OF CENTRAL FLORIDA — 2009
What FIRST NATIONAL BANK OF CENTRAL FLORIDA reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 537,485,000 | 516,596,000 | 469,974,000 | 444,725,000 |
| Total loans | 371,733,000 | 344,299,000 | 332,055,000 | 314,978,000 |
| Allowance for loan losses | 6,662,000 | 4,675,000 | 4,792,000 | 11,034,000 |
| Securities available for sale | 64,132,000 | 68,192,000 | 65,953,000 | 60,611,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 450,434,000 | 431,970,000 | 389,525,000 | 373,337,000 |
| Interest-bearing deposits | 412,648,000 | 392,832,000 | 351,158,000 | 333,360,000 |
| Noninterest-bearing deposits | 37,786,000 | 39,138,000 | 38,367,000 | 39,977,000 |
| Equity capital | 40,291,000 | 39,508,000 | 39,697,000 | 33,569,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 6,242,000 | 12,180,000 | 17,220,000 | 22,158,000 |
| Interest expense | 3,406,000 | 6,635,000 | 9,392,000 | 11,564,000 |
| Net interest income | 2,836,000 | 5,545,000 | 7,828,000 | 10,594,000 |
| Noninterest income | 429,000 | 940,000 | 1,394,000 | 1,876,000 |
| Noninterest expense | 2,627,000 | 5,591,000 | 8,398,000 | 13,684,000 |
| Provision for loan losses | 302,000 | 1,103,000 | 2,020,000 | 10,033,000 |
| Pretax income | 904,000 | 648,000 | -294,000 | -10,345,000 |
| Income tax | 302,000 | 169,000 | -223,000 | -4,031,000 |
| Net income | 602,000 | 479,000 | -71,000 | -6,314,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 40,175,000 | 37,344,000 | 35,293,000 | 29,310,000 |
| Total capital | 44,990,000 | 41,956,000 | 39,558,000 | 33,408,000 |
| Risk-weighted assets | 383,353,000 | 368,908,000 | 340,706,000 | 320,733,000 |