Call reports 2010
FIRST NATIONAL BANK OF CENTRAL FLORIDA — 2010
What FIRST NATIONAL BANK OF CENTRAL FLORIDA reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 427,085,000 | 401,465,000 | 397,560,000 | 352,016,000 |
| Total loans | 301,682,000 | 287,629,000 | 282,531,000 | 257,005,000 |
| Allowance for loan losses | 11,798,000 | 11,204,000 | 14,720,000 | 11,732,000 |
| Securities available for sale | 58,764,000 | 60,023,000 | 49,219,000 | 37,607,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 356,877,000 | 332,715,000 | 333,953,000 | 312,143,000 |
| Interest-bearing deposits | 319,683,000 | 296,331,000 | 296,807,000 | 279,344,000 |
| Noninterest-bearing deposits | 37,194,000 | 36,384,000 | 37,146,000 | 32,799,000 |
| Equity capital | 32,217,000 | 30,872,000 | 25,833,000 | 5,340,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 4,154,000 | 8,476,000 | 12,036,000 | 15,131,000 |
| Interest expense | 1,886,000 | 3,555,000 | 5,063,000 | 6,400,000 |
| Net interest income | 2,268,000 | 4,921,000 | 6,973,000 | 8,731,000 |
| Noninterest income | 251,000 | -2,512,000 | -4,352,000 | -3,300,000 |
| Noninterest expense | 3,039,000 | 6,322,000 | 9,526,000 | 12,599,000 |
| Provision for loan losses | 1,838,000 | 6,414,000 | 11,466,000 | 17,966,000 |
| Pretax income | -2,358,000 | -10,026,000 | -17,419,000 | -24,150,000 |
| Income tax | -1,026,000 | -3,833,000 | -6,643,000 | 6,851,000 |
| Net income | -1,332,000 | -6,193,000 | -10,776,000 | -31,001,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,952,000 | 22,510,000 | 11,972,000 | 5,274,000 |
| Total capital | 30,914,000 | 26,382,000 | 15,696,000 | 8,743,000 |
| Risk-weighted assets | 308,922,000 | 302,157,000 | 286,668,000 | 268,967,000 |