Call reports 2016
FLORIDA BANK OF COMMERCE — 2016
What FLORIDA BANK OF COMMERCE reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 |
|---|---|---|---|
| Total assets | 302,200,000 | 315,450,000 | 318,970,000 |
| Total loans | 222,503,000 | 231,661,000 | 230,961,000 |
| Allowance for loan losses | 2,897,000 | 2,895,000 | 2,774,000 |
| Securities available for sale | 16,326,000 | 15,559,000 | 14,656,000 |
| Securities held to maturity | 1,930,000 | 1,921,000 | 1,912,000 |
| Trading assets | 0 | 0 | 0 |
| Total deposits | 265,025,000 | 278,974,000 | 280,478,000 |
| Interest-bearing deposits | 154,733,000 | 154,881,000 | 153,319,000 |
| Noninterest-bearing deposits | 110,293,000 | 124,093,000 | 127,159,000 |
| Equity capital | 32,156,000 | 32,845,000 | 33,123,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 |
|---|---|---|---|
| Interest income | 3,008,000 | 6,154,000 | 9,304,000 |
| Interest expense | 149,000 | 299,000 | 458,000 |
| Net interest income | 2,859,000 | 5,855,000 | 8,846,000 |
| Noninterest income | 207,000 | 432,000 | 670,000 |
| Noninterest expense | 2,253,000 | 4,418,000 | 7,211,000 |
| Provision for loan losses | 0 | 0 | 0 |
| Pretax income | 813,000 | 1,869,000 | 2,305,000 |
| Income tax | 310,000 | 713,000 | 880,000 |
| Net income | 503,000 | 1,156,000 | 1,425,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 |
|---|---|---|---|
| Tier 1 capital | 29,535,000 | 30,085,000 | 30,355,000 |
| Total capital | 32,394,000 | 32,980,000 | 33,129,000 |
| Risk-weighted assets | 228,722,000 | 238,984,000 | 239,599,000 |