Call reports 2007
FLORIDA COMMUNITY BANK — 2007
What FLORIDA COMMUNITY 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 | 993,578,000 | 969,808,000 | 944,629,000 | 932,692,000 |
| Total loans | 831,301,000 | 808,006,000 | 766,319,000 | 752,931,000 |
| Allowance for loan losses | 13,586,000 | 13,378,000 | 13,817,000 | 18,169,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 107,059,000 | 121,345,000 | 138,034,000 | 135,810,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 816,912,000 | 801,703,000 | 758,602,000 | 754,805,000 |
| Interest-bearing deposits | 740,282,000 | 775,174,000 | 730,663,000 | 710,003,000 |
| Noninterest-bearing deposits | 76,630,000 | 26,529,000 | 27,939,000 | 44,802,000 |
| Equity capital | 115,283,000 | 117,870,000 | 121,471,000 | 118,448,000 |
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 | 20,536,000 | 40,627,000 | 60,027,000 | 76,630,000 |
| Interest expense | 9,080,000 | 18,088,000 | 27,365,000 | 36,074,000 |
| Net interest income | 11,456,000 | 22,539,000 | 32,662,000 | 40,556,000 |
| Noninterest income | 596,000 | 1,581,000 | 2,131,000 | 2,629,000 |
| Noninterest expense | 3,802,000 | 8,141,000 | 12,527,000 | 17,217,000 |
| Provision for loan losses | 242,000 | 242,000 | 792,000 | 6,818,000 |
| Pretax income | 8,008,000 | 15,737,000 | 21,474,000 | 19,142,000 |
| Income tax | 3,025,000 | 5,938,000 | 8,083,000 | 7,115,000 |
| Net income | 4,983,000 | 9,799,000 | 13,391,000 | 12,027,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 115,283,000 | 117,870,000 | 121,471,000 | 118,448,000 |
| Total capital | 126,744,000 | 128,921,000 | 131,956,000 | 128,841,000 |
| Risk-weighted assets | 929,684,000 | 881,763,000 | 834,696,000 | 823,217,000 |