Call reports 2007
FLORIDA BANK OF COMMERCE — 2007
What FLORIDA BANK OF COMMERCE reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 83,050,000 | 90,430,000 | 104,923,000 | 114,860,000 |
| Total loans | 57,382,000 | 64,976,000 | 80,430,000 | 91,517,000 |
| Allowance for loan losses | 637,000 | 748,000 | 922,000 | 1,052,000 |
| Securities available for sale | 8,171,000 | 11,662,000 | 11,691,000 | 13,582,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 64,884,000 | 72,450,000 | 85,856,000 | 88,079,000 |
| Interest-bearing deposits | 54,622,000 | 60,447,000 | 73,317,000 | 71,418,000 |
| Noninterest-bearing deposits | 10,262,000 | 12,003,000 | 12,539,000 | 16,661,000 |
| Equity capital | 16,981,000 | 16,744,000 | 16,806,000 | 16,814,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,294,000 | 2,888,000 | 4,663,000 | 6,554,000 |
| Interest expense | 518,000 | 1,165,000 | 1,923,000 | 2,755,000 |
| Net interest income | 776,000 | 1,723,000 | 2,740,000 | 3,799,000 |
| Noninterest income | 29,000 | -20,000 | -11,000 | 37,000 |
| Noninterest expense | 823,000 | 1,717,000 | 2,707,000 | 3,806,000 |
| Provision for loan losses | 62,000 | 173,000 | 347,000 | 478,000 |
| Pretax income | -80,000 | -187,000 | -325,000 | -448,000 |
| Income tax | -28,000 | -66,000 | -116,000 | -157,000 |
| Net income | -52,000 | -121,000 | -209,000 | -291,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,970,000 | 16,908,000 | 16,829,000 | 16,756,000 |
| Total capital | 17,607,000 | 17,656,000 | 17,751,000 | 17,808,000 |
| Risk-weighted assets | 66,343,000 | 73,787,000 | 90,643,000 | 103,888,000 |
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