Call reports 2009
FLORIDA BANK OF COMMERCE — 2009
What FLORIDA BANK OF COMMERCE reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 165,849,000 | 166,659,000 | 178,416,000 | 169,376,000 |
| Total loans | 120,195,000 | 122,554,000 | 121,249,000 | 118,467,000 |
| Allowance for loan losses | 1,782,000 | 1,796,000 | 1,688,000 | 2,700,000 |
| Securities available for sale | 17,625,000 | 19,071,000 | 21,417,000 | 22,026,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 128,913,000 | 138,305,000 | 151,586,000 | 153,602,000 |
| Interest-bearing deposits | 111,183,000 | 123,152,000 | 136,128,000 | 136,659,000 |
| Noninterest-bearing deposits | 17,730,000 | 15,153,000 | 15,458,000 | 16,943,000 |
| Equity capital | 16,079,000 | 16,020,000 | 15,982,000 | 14,560,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,890,000 | 3,783,000 | 5,726,000 | 7,667,000 |
| Interest expense | 815,000 | 1,643,000 | 2,512,000 | 3,286,000 |
| Net interest income | 1,075,000 | 2,140,000 | 3,214,000 | 4,381,000 |
| Noninterest income | 57,000 | 161,000 | 395,000 | 653,000 |
| Noninterest expense | 1,126,000 | 2,428,000 | 3,724,000 | 5,485,000 |
| Provision for loan losses | 2,000 | 16,000 | 171,000 | 2,052,000 |
| Pretax income | 4,000 | -133,000 | -8,000 | -1,853,000 |
| Income tax | 3,000 | -35,000 | 19,000 | -667,000 |
| Net income | 1,000 | -98,000 | -27,000 | -1,186,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,534,000 | 14,463,000 | 14,530,000 | 12,531,000 |
| Total capital | 16,293,000 | 16,229,000 | 16,218,000 | 14,296,000 |
| Risk-weighted assets | 140,673,000 | 141,262,000 | 145,912,000 | 140,230,000 |
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