Call reports 2012
COMMUNITY BANK OF FLORIDA — 2012
What COMMUNITY BANK OF FLORIDA reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 526,275,000 | 527,540,000 | 528,045,000 | 507,821,000 |
| Total loans | 362,227,000 | 348,591,000 | 341,961,000 | 340,753,000 |
| Allowance for loan losses | 5,899,000 | 7,493,000 | 5,845,000 | 6,077,000 |
| Securities available for sale | 79,361,000 | 74,810,000 | 78,972,000 | 73,435,000 |
| Securities held to maturity | 416,000 | 359,000 | 309,000 | 263,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 457,607,000 | 459,529,000 | 460,283,000 | 444,397,000 |
| Interest-bearing deposits | 337,532,000 | 334,579,000 | 339,030,000 | 322,273,000 |
| Noninterest-bearing deposits | 120,075,000 | 124,950,000 | 121,253,000 | 122,124,000 |
| Equity capital | 46,709,000 | 45,821,000 | 45,338,000 | 41,479,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 5,810,000 | 11,239,000 | 16,656,000 | 21,683,000 |
| Interest expense | 961,000 | 1,849,000 | 2,727,000 | 3,564,000 |
| Net interest income | 4,849,000 | 9,390,000 | 13,929,000 | 18,119,000 |
| Noninterest income | 1,259,000 | 2,052,000 | 2,465,000 | 1,826,000 |
| Noninterest expense | 5,280,000 | 10,471,000 | 15,158,000 | 20,239,000 |
| Provision for loan losses | 106,000 | 1,618,000 | 2,616,000 | 4,209,000 |
| Pretax income | 722,000 | -647,000 | -1,380,000 | -4,503,000 |
| Income tax | 272,000 | -243,000 | -519,000 | 0 |
| Net income | 450,000 | -404,000 | -861,000 | -4,503,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 39,006,000 | 37,798,000 | 37,085,000 | 33,443,000 |
| Total capital | 44,164,000 | 42,786,000 | 41,888,000 | 38,218,000 |
| Risk-weighted assets | 411,899,000 | 396,542,000 | 383,171,000 | 380,719,000 |