Call reports 2004
CENTERSTATE BANK OF FLORIDA — 2004
What CENTERSTATE 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 | 126,088,000 | 133,775,000 | 126,713,000 | 142,202,000 |
| Total loans | 75,305,000 | 80,160,000 | 79,511,000 | 85,938,000 |
| Allowance for loan losses | 892,000 | 995,000 | 1,059,000 | 927,000 |
| Securities available for sale | 18,636,000 | 27,137,000 | 32,474,000 | 32,446,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 103,016,000 | 111,115,000 | 109,206,000 | 125,322,000 |
| Interest-bearing deposits | 82,322,000 | 83,633,000 | 83,975,000 | 87,931,000 |
| Noninterest-bearing deposits | 20,694,000 | 27,482,000 | 25,231,000 | 37,391,000 |
| Equity capital | 13,674,000 | 14,541,000 | 14,802,000 | 14,854,000 |
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 | 1,167,000 | 2,418,000 | 3,799,000 | 5,263,000 |
| Interest expense | 265,000 | 530,000 | 837,000 | 1,163,000 |
| Net interest income | 902,000 | 1,888,000 | 2,962,000 | 4,100,000 |
| Noninterest income | 150,000 | 293,000 | 481,000 | 664,000 |
| Noninterest expense | 845,000 | 1,750,000 | 2,740,000 | 3,754,000 |
| Provision for loan losses | 120,000 | 225,000 | 330,000 | 395,000 |
| Pretax income | 87,000 | 206,000 | 373,000 | 615,000 |
| Income tax | 32,000 | 71,000 | 130,000 | 214,000 |
| Net income | 55,000 | 135,000 | 243,000 | 401,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,158,000 | 9,384,000 | 9,563,000 | 9,792,000 |
| Total capital | 9,050,000 | 10,379,000 | 10,622,000 | 10,719,000 |
| Risk-weighted assets | 88,720,000 | 94,324,000 | 93,495,000 | 103,881,000 |