Call reports 2005
COMMUNITY BANK OF FLORIDA — 2005
What COMMUNITY BANK OF FLORIDA reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 429,572,000 | 461,880,000 | 446,006,000 | 454,209,000 |
| Total loans | 307,620,000 | 316,976,000 | 302,184,000 | 320,354,000 |
| Allowance for loan losses | 3,477,000 | 3,603,000 | 3,714,000 | 3,686,000 |
| Securities available for sale | 79,647,000 | 85,775,000 | 79,726,000 | 81,085,000 |
| Securities held to maturity | 6,487,000 | 6,114,000 | 5,714,000 | 5,394,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 383,884,000 | 418,401,000 | 401,661,000 | 410,317,000 |
| Interest-bearing deposits | 257,154,000 | 274,950,000 | 269,904,000 | 270,197,000 |
| Noninterest-bearing deposits | 126,730,000 | 143,451,000 | 131,757,000 | 140,120,000 |
| Equity capital | 33,325,000 | 34,598,000 | 35,703,000 | 36,802,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 5,917,000 | 12,300,000 | 19,067,000 | 26,156,000 |
| Interest expense | 1,111,000 | 2,291,000 | 3,608,000 | 4,967,000 |
| Net interest income | 4,806,000 | 10,009,000 | 15,459,000 | 21,189,000 |
| Noninterest income | 2,041,000 | 4,169,000 | 6,181,000 | 8,205,000 |
| Noninterest expense | 5,499,000 | 10,831,000 | 16,137,000 | 22,507,000 |
| Provision for loan losses | 122,000 | 162,000 | 278,000 | 362,000 |
| Pretax income | 1,226,000 | 3,185,000 | 5,225,000 | 6,275,000 |
| Income tax | 461,000 | 1,198,000 | 1,966,000 | 1,143,000 |
| Net income | 765,000 | 1,987,000 | 3,259,000 | 5,132,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 33,760,000 | 34,703,000 | 35,957,000 | 37,497,000 |
| Total capital | 37,237,000 | 38,306,000 | 39,671,000 | 41,183,000 |
| Risk-weighted assets | 367,695,000 | 381,742,000 | 375,469,000 | 381,156,000 |