Call reports 2012
FLORIDA BANK OF COMMERCE — 2012
What FLORIDA BANK OF COMMERCE 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 | 233,955,000 | 231,210,000 | 232,145,000 | 229,668,000 |
| Total loans | 152,167,000 | 147,207,000 | 146,462,000 | 159,076,000 |
| Allowance for loan losses | 3,293,000 | 3,616,000 | 3,023,000 | 2,798,000 |
| Securities available for sale | 21,480,000 | 24,604,000 | 29,757,000 | 34,203,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 206,131,000 | 204,257,000 | 203,536,000 | 198,457,000 |
| Interest-bearing deposits | 161,695,000 | 154,831,000 | 152,582,000 | 139,640,000 |
| Noninterest-bearing deposits | 44,436,000 | 49,426,000 | 50,954,000 | 58,817,000 |
| Equity capital | 25,638,000 | 25,873,000 | 26,290,000 | 26,364,000 |
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 | 2,212,000 | 4,333,000 | 6,441,000 | 8,633,000 |
| Interest expense | 333,000 | 628,000 | 886,000 | 1,111,000 |
| Net interest income | 1,879,000 | 3,705,000 | 5,555,000 | 7,522,000 |
| Noninterest income | 240,000 | 822,000 | 1,514,000 | 1,416,000 |
| Noninterest expense | 1,764,000 | 3,605,000 | 5,701,000 | 7,264,000 |
| Provision for loan losses | 208,000 | 538,000 | 568,000 | 598,000 |
| Pretax income | 147,000 | 384,000 | 800,000 | 1,076,000 |
| Income tax | 58,000 | 146,000 | 312,000 | 420,000 |
| Net income | 89,000 | 238,000 | 488,000 | 656,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,480,000 | 19,733,000 | 20,345,000 | 20,699,000 |
| Total capital | 21,552,000 | 21,766,000 | 22,388,000 | 22,920,000 |
| Risk-weighted assets | 164,542,000 | 161,051,000 | 161,725,000 | 177,130,000 |