Call reports 2005
COMMERCIAL BANK OF FLORIDA — 2005
What COMMERCIAL BANK OF FLORIDA reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 927,871,000 | 960,226,000 | 980,820,000 | 1,027,872,000 |
| Total loans | 464,361,000 | 489,019,000 | 489,917,000 | 508,820,000 |
| Allowance for loan losses | 4,773,000 | 4,894,000 | 4,961,000 | 5,401,000 |
| Securities available for sale | 187,397,000 | 201,668,000 | 230,239,000 | 256,070,000 |
| Securities held to maturity | 151,023,000 | 150,567,000 | 150,365,000 | 150,026,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 782,129,000 | 806,194,000 | 832,917,000 | 852,457,000 |
| Interest-bearing deposits | 613,816,000 | 649,349,000 | 653,813,000 | 691,731,000 |
| Noninterest-bearing deposits | 168,313,000 | 156,845,000 | 179,104,000 | 160,726,000 |
| Equity capital | 65,122,000 | 67,752,000 | 68,214,000 | 69,392,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 11,523,000 | 23,888,000 | 36,996,000 | 50,731,000 |
| Interest expense | 3,508,000 | 7,610,000 | 12,343,000 | 17,661,000 |
| Net interest income | 8,015,000 | 16,278,000 | 24,653,000 | 33,070,000 |
| Noninterest income | 675,000 | 1,311,000 | 1,949,000 | 2,503,000 |
| Noninterest expense | 4,865,000 | 9,123,000 | 13,484,000 | 17,403,000 |
| Provision for loan losses | -541,000 | -421,000 | -391,000 | 48,000 |
| Pretax income | 4,366,000 | 8,887,000 | 13,509,000 | 18,122,000 |
| Income tax | 1,489,000 | 3,039,000 | 4,631,000 | 6,191,000 |
| Net income | 2,877,000 | 5,848,000 | 8,878,000 | 11,931,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 65,152,000 | 67,022,000 | 68,953,000 | 70,706,000 |
| Total capital | 70,486,000 | 72,437,000 | 74,445,000 | 76,229,000 |
| Risk-weighted assets | 560,198,000 | 586,172,000 | 591,690,000 | 613,417,000 |