Call reports 2003
COMMERCIAL BANK OF FLORIDA — 2003
What COMMERCIAL BANK OF FLORIDA reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 732,950,000 | 750,399,000 | 773,595,000 | 780,967,000 |
| Total loans | 358,324,000 | 373,402,000 | 397,827,000 | 412,973,000 |
| Allowance for loan losses | 4,661,000 | 4,795,000 | 4,796,000 | 4,873,000 |
| Securities available for sale | 166,891,000 | 116,985,000 | 120,831,000 | 104,409,000 |
| Securities held to maturity | 105,375,000 | 153,350,000 | 189,289,000 | 185,781,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 614,141,000 | 631,176,000 | 653,999,000 | 654,869,000 |
| Interest-bearing deposits | 501,267,000 | 520,852,000 | 531,345,000 | 536,896,000 |
| Noninterest-bearing deposits | 112,874,000 | 110,324,000 | 122,654,000 | 117,973,000 |
| Equity capital | 55,087,000 | 56,895,000 | 57,416,000 | 58,704,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 9,217,000 | 18,835,000 | 28,838,000 | 39,261,000 |
| Interest expense | 2,963,000 | 5,957,000 | 8,847,000 | 11,719,000 |
| Net interest income | 6,254,000 | 12,878,000 | 19,991,000 | 27,542,000 |
| Noninterest income | 779,000 | 1,568,000 | 2,340,000 | 3,097,000 |
| Noninterest expense | 3,554,000 | 7,269,000 | 11,287,000 | 15,272,000 |
| Provision for loan losses | 0 | 135,000 | 135,000 | 360,000 |
| Pretax income | 3,479,000 | 7,181,000 | 11,048,000 | 15,135,000 |
| Income tax | 1,034,000 | 2,225,000 | 3,477,000 | 4,853,000 |
| Net income | 2,445,000 | 4,956,000 | 7,571,000 | 10,282,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 52,183,000 | 53,695,000 | 55,310,000 | 56,721,000 |
| Total capital | 56,844,000 | 58,490,000 | 60,106,000 | 61,594,000 |
| Risk-weighted assets | 427,873,000 | 450,431,000 | 476,192,000 | 487,868,000 |