Call reports 2004
COMMERCIAL BANK OF FLORIDA — 2004
What COMMERCIAL BANK OF FLORIDA reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 839,459,000 | 847,340,000 | 863,773,000 | 880,886,000 |
| Total loans | 427,461,000 | 438,474,000 | 440,219,000 | 459,270,000 |
| Allowance for loan losses | 5,018,000 | 5,150,000 | 5,263,000 | 5,312,000 |
| Securities available for sale | 118,265,000 | 140,124,000 | 171,135,000 | 173,511,000 |
| Securities held to maturity | 168,337,000 | 162,222,000 | 151,788,000 | 151,194,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 692,530,000 | 708,793,000 | 710,085,000 | 739,308,000 |
| Interest-bearing deposits | 561,058,000 | 567,822,000 | 566,545,000 | 601,692,000 |
| Noninterest-bearing deposits | 131,472,000 | 140,971,000 | 143,540,000 | 137,616,000 |
| Equity capital | 61,176,000 | 59,867,000 | 63,561,000 | 64,561,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 10,297,000 | 20,842,000 | 31,610,000 | 42,880,000 |
| Interest expense | 2,892,000 | 5,788,000 | 8,712,000 | 11,880,000 |
| Net interest income | 7,405,000 | 15,054,000 | 22,898,000 | 31,000,000 |
| Noninterest income | 714,000 | 1,433,000 | 2,148,000 | 2,824,000 |
| Noninterest expense | 4,009,000 | 8,061,000 | 12,219,000 | 16,453,000 |
| Provision for loan losses | 15,000 | 140,000 | 250,000 | 310,000 |
| Pretax income | 4,095,000 | 8,286,000 | 12,577,000 | 17,061,000 |
| Income tax | 1,349,000 | 2,733,000 | 4,174,000 | 5,708,000 |
| Net income | 2,746,000 | 5,553,000 | 8,403,000 | 11,353,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 58,367,000 | 60,074,000 | 61,824,000 | 63,375,000 |
| Total capital | 63,385,000 | 65,224,000 | 67,087,000 | 68,687,000 |
| Risk-weighted assets | 513,800,000 | 524,492,000 | 530,065,000 | 546,356,000 |