Call reports 2015
FLORIDA BANK OF COMMERCE — 2015
What FLORIDA BANK OF COMMERCE reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 270,923,000 | 274,842,000 | 291,610,000 | 287,349,000 |
| Total loans | 203,029,000 | 208,922,000 | 208,516,000 | 216,689,000 |
| Allowance for loan losses | 2,896,000 | 2,987,000 | 2,963,000 | 2,885,000 |
| Securities available for sale | 19,988,000 | 18,799,000 | 17,946,000 | 16,945,000 |
| Securities held to maturity | 1,966,000 | 1,957,000 | 1,949,000 | 1,940,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 237,833,000 | 242,914,000 | 258,113,000 | 252,241,000 |
| Interest-bearing deposits | 141,288,000 | 151,044,000 | 159,468,000 | 153,559,000 |
| Noninterest-bearing deposits | 96,545,000 | 91,870,000 | 98,645,000 | 98,682,000 |
| Equity capital | 29,832,000 | 30,289,000 | 31,054,000 | 31,565,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 2,702,000 | 5,562,000 | 8,441,000 | 11,362,000 |
| Interest expense | 150,000 | 304,000 | 461,000 | 619,000 |
| Net interest income | 2,552,000 | 5,258,000 | 7,980,000 | 10,743,000 |
| Noninterest income | 377,000 | 716,000 | 1,097,000 | 1,484,000 |
| Noninterest expense | 2,132,000 | 4,260,000 | 6,269,000 | 8,452,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 797,000 | 1,714,000 | 2,808,000 | 3,775,000 |
| Income tax | 304,000 | 657,000 | 1,068,000 | 1,436,000 |
| Net income | 493,000 | 1,057,000 | 1,740,000 | 2,339,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,831,000 | 27,750,000 | 28,433,000 | 29,032,000 |
| Total capital | 28,414,000 | 30,494,000 | 31,220,000 | 31,803,000 |
| Risk-weighted assets | 206,333,000 | 219,326,000 | 222,751,000 | 221,599,000 |