Call reports 2014
FLORIDA BANK OF COMMERCE — 2014
What FLORIDA BANK OF COMMERCE reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 265,684,000 | 241,775,000 | 245,317,000 | 248,719,000 |
| Total loans | 181,610,000 | 184,115,000 | 188,768,000 | 193,694,000 |
| Allowance for loan losses | 2,837,000 | 2,849,000 | 2,857,000 | 2,887,000 |
| Securities available for sale | 22,358,000 | 22,693,000 | 21,565,000 | 20,791,000 |
| Securities held to maturity | 2,001,000 | 1,993,000 | 1,984,000 | 1,975,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 236,226,000 | 211,986,000 | 214,716,000 | 216,193,000 |
| Interest-bearing deposits | 152,635,000 | 136,021,000 | 135,273,000 | 141,037,000 |
| Noninterest-bearing deposits | 83,591,000 | 75,965,000 | 79,443,000 | 75,156,000 |
| Equity capital | 27,420,000 | 28,043,000 | 28,547,000 | 29,294,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 2,528,000 | 5,086,000 | 7,755,000 | 10,422,000 |
| Interest expense | 136,000 | 270,000 | 400,000 | 534,000 |
| Net interest income | 2,392,000 | 4,816,000 | 7,355,000 | 9,888,000 |
| Noninterest income | 252,000 | 500,000 | 671,000 | 879,000 |
| Noninterest expense | 1,916,000 | 3,815,000 | 5,688,000 | 7,444,000 |
| Provision for loan losses | 77,000 | 77,000 | 77,000 | 77,000 |
| Pretax income | 651,000 | 1,424,000 | 2,261,000 | 3,246,000 |
| Income tax | 250,000 | 547,000 | 866,000 | 1,241,000 |
| Net income | 401,000 | 877,000 | 1,395,000 | 2,005,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,740,000 | 24,705,000 | 25,503,000 | 26,533,000 |
| Total capital | 26,144,000 | 27,124,000 | 27,940,000 | 28,981,000 |
| Risk-weighted assets | 191,911,000 | 193,025,000 | 194,527,000 | 200,829,000 |
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