Call reports 2004
COMMUNITY BANK OF FLORIDA — 2004
What COMMUNITY BANK OF FLORIDA reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 393,185,000 | 417,875,000 | 411,483,000 | 425,856,000 |
| Total loans | 246,064,000 | 281,631,000 | 285,019,000 | 305,357,000 |
| Allowance for loan losses | 2,710,000 | 2,924,000 | 3,079,000 | 3,354,000 |
| Securities available for sale | 94,804,000 | 91,627,000 | 86,281,000 | 79,322,000 |
| Securities held to maturity | 10,131,000 | 9,545,000 | 7,140,000 | 6,785,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 344,675,000 | 358,841,000 | 354,903,000 | 367,450,000 |
| Interest-bearing deposits | 240,129,000 | 248,863,000 | 239,291,000 | 235,397,000 |
| Noninterest-bearing deposits | 104,546,000 | 109,978,000 | 115,612,000 | 132,053,000 |
| Equity capital | 32,251,000 | 31,254,000 | 32,879,000 | 33,053,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 5,159,000 | 10,497,000 | 16,047,000 | 21,719,000 |
| Interest expense | 1,048,000 | 2,083,000 | 3,166,000 | 4,247,000 |
| Net interest income | 4,111,000 | 8,414,000 | 12,881,000 | 17,472,000 |
| Noninterest income | 4,017,000 | 6,217,000 | 8,384,000 | 10,683,000 |
| Noninterest expense | 4,941,000 | 10,028,000 | 15,220,000 | 20,688,000 |
| Provision for loan losses | 597,000 | 826,000 | 993,000 | 1,229,000 |
| Pretax income | 2,619,000 | 3,881,000 | 5,156,000 | 6,341,000 |
| Income tax | 985,000 | 1,460,000 | 1,940,000 | 2,219,000 |
| Net income | 1,634,000 | 2,421,000 | 3,216,000 | 4,122,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,464,000 | 31,745,000 | 32,656,000 | 33,015,000 |
| Total capital | 34,137,000 | 34,669,000 | 35,735,000 | 36,369,000 |
| Risk-weighted assets | 327,589,000 | 350,631,000 | 358,782,000 | 369,747,000 |