Call reports 2003
COMMUNITY BANK OF FLORIDA — 2003
What COMMUNITY BANK OF FLORIDA reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 371,028,000 | 372,074,000 | 360,616,000 | 392,319,000 |
| Total loans | 236,115,000 | 234,227,000 | 216,554,000 | 244,179,000 |
| Allowance for loan losses | 2,507,000 | 2,357,000 | 2,480,000 | 2,606,000 |
| Securities available for sale | 84,256,000 | 94,081,000 | 99,323,000 | 101,828,000 |
| Securities held to maturity | 3,759,000 | 2,041,000 | 10,990,000 | 10,451,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 317,551,000 | 325,424,000 | 313,953,000 | 323,771,000 |
| Interest-bearing deposits | 219,837,000 | 230,810,000 | 222,424,000 | 226,474,000 |
| Noninterest-bearing deposits | 97,714,000 | 94,614,000 | 91,529,000 | 97,297,000 |
| Equity capital | 29,102,000 | 29,658,000 | 29,623,000 | 30,282,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 4,838,000 | 9,765,000 | 14,555,000 | 19,559,000 |
| Interest expense | 1,232,000 | 2,506,000 | 3,553,000 | 4,622,000 |
| Net interest income | 3,606,000 | 7,259,000 | 11,002,000 | 14,937,000 |
| Noninterest income | 2,244,000 | 4,389,000 | 6,910,000 | 9,141,000 |
| Noninterest expense | 4,834,000 | 9,858,000 | 14,726,000 | 19,492,000 |
| Provision for loan losses | 106,000 | 232,000 | 358,000 | 484,000 |
| Pretax income | 910,000 | 1,558,000 | 2,828,000 | 4,107,000 |
| Income tax | 102,000 | 262,000 | 656,000 | 1,050,000 |
| Net income | 808,000 | 1,296,000 | 2,172,000 | 3,057,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,417,000 | 28,678,000 | 29,353,000 | 29,854,000 |
| Total capital | 30,941,000 | 31,064,000 | 31,833,000 | 32,460,000 |
| Risk-weighted assets | 277,776,000 | 278,016,000 | 266,707,000 | 316,297,000 |