Call reports 2007
FLORIDA BANK — 2007
What FLORIDA BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 482,056,000 | 492,822,000 | 525,612,000 | 539,793,000 |
| Total loans | 394,289,000 | 410,013,000 | 431,745,000 | 429,025,000 |
| Allowance for loan losses | 4,647,000 | 4,839,000 | 5,073,000 | 5,352,000 |
| Securities available for sale | 28,457,000 | 28,311,000 | 27,239,000 | 19,751,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 350,338,000 | 357,943,000 | 375,380,000 | 387,582,000 |
| Interest-bearing deposits | 321,060,000 | 330,823,000 | 346,993,000 | 353,336,000 |
| Noninterest-bearing deposits | 29,278,000 | 27,120,000 | 28,387,000 | 34,246,000 |
| Equity capital | 45,516,000 | 45,558,000 | 45,824,000 | 47,644,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 7,867,000 | 16,075,000 | 24,734,000 | 33,614,000 |
| Interest expense | 4,632,000 | 9,485,000 | 14,669,000 | 20,049,000 |
| Net interest income | 3,235,000 | 6,590,000 | 10,065,000 | 13,565,000 |
| Noninterest income | 204,000 | 387,000 | 589,000 | 807,000 |
| Noninterest expense | 2,988,000 | 6,155,000 | 9,248,000 | 11,840,000 |
| Provision for loan losses | 243,000 | 435,000 | 611,000 | 890,000 |
| Pretax income | 213,000 | 392,000 | 800,000 | 1,600,000 |
| Income tax | 93,000 | 169,000 | 332,000 | 636,000 |
| Net income | 120,000 | 223,000 | 468,000 | 964,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 41,122,000 | 41,390,000 | 41,799,000 | 43,276,000 |
| Total capital | 45,769,000 | 46,229,000 | 46,872,000 | 48,628,000 |
| Risk-weighted assets | 410,822,000 | 426,908,000 | 452,342,000 | 451,379,000 |