Call reports 2013
FLORIDA BANK OF COMMERCE — 2013
What FLORIDA BANK OF COMMERCE reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 227,302,000 | 227,954,000 | 239,276,000 | 239,492,000 |
| Total loans | 157,827,000 | 156,110,000 | 171,191,000 | 177,408,000 |
| Allowance for loan losses | 2,739,000 | 2,711,000 | 2,765,000 | 2,749,000 |
| Securities available for sale | 34,168,000 | 24,289,000 | 23,006,000 | 21,973,000 |
| Securities held to maturity | 0 | 0 | 2,019,000 | 2,010,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 198,587,000 | 199,389,000 | 210,280,000 | 210,494,000 |
| Interest-bearing deposits | 136,572,000 | 135,107,000 | 142,296,000 | 142,333,000 |
| Noninterest-bearing deposits | 62,014,000 | 64,282,000 | 67,985,000 | 68,161,000 |
| Equity capital | 26,474,000 | 26,324,000 | 26,522,000 | 26,932,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 2,242,000 | 4,459,000 | 6,793,000 | 9,383,000 |
| Interest expense | 172,000 | 328,000 | 481,000 | 629,000 |
| Net interest income | 2,070,000 | 4,131,000 | 6,312,000 | 8,754,000 |
| Noninterest income | 437,000 | 617,000 | 758,000 | 908,000 |
| Noninterest expense | 1,884,000 | 3,745,000 | 5,592,000 | 7,410,000 |
| Provision for loan losses | 280,000 | 310,000 | 390,000 | 436,000 |
| Pretax income | 343,000 | 732,000 | 1,127,000 | 1,855,000 |
| Income tax | 135,000 | 283,000 | 438,000 | 717,000 |
| Net income | 208,000 | 449,000 | 689,000 | 1,138,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,171,000 | 21,349,000 | 22,026,000 | 22,833,000 |
| Total capital | 23,361,000 | 23,473,000 | 24,337,000 | 25,133,000 |
| Risk-weighted assets | 174,640,000 | 169,312,000 | 183,667,000 | 188,788,000 |