Call reports 2006
COMMERCIAL BANK OF FLORIDA — 2006
What COMMERCIAL BANK OF FLORIDA reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 1,042,069,000 | 1,052,413,000 | 1,058,166,000 | 1,030,993,000 |
| Total loans | 554,237,000 | 582,557,000 | 595,927,000 | 610,897,000 |
| Allowance for loan losses | 5,505,000 | 5,611,000 | 5,923,000 | 6,001,000 |
| Securities available for sale | 233,025,000 | 232,255,000 | 235,926,000 | 225,157,000 |
| Securities held to maturity | 149,888,000 | 149,416,000 | 149,305,000 | 148,957,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 867,167,000 | 877,895,000 | 870,050,000 | 847,804,000 |
| Interest-bearing deposits | 694,930,000 | 702,509,000 | 702,979,000 | 694,785,000 |
| Noninterest-bearing deposits | 172,237,000 | 175,386,000 | 167,071,000 | 153,019,000 |
| Equity capital | 70,067,000 | 70,794,000 | 74,412,000 | 76,270,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 14,343,000 | 29,613,000 | 45,627,000 | 61,869,000 |
| Interest expense | 5,845,000 | 12,482,000 | 19,704,000 | 27,326,000 |
| Net interest income | 8,498,000 | 17,131,000 | 25,923,000 | 34,543,000 |
| Noninterest income | 607,000 | 1,205,000 | 1,859,000 | 2,501,000 |
| Noninterest expense | 4,459,000 | 8,932,000 | 13,624,000 | 18,367,000 |
| Provision for loan losses | 110,000 | 215,000 | 545,000 | 625,000 |
| Pretax income | 4,580,000 | 9,280,000 | 13,704,000 | 18,143,000 |
| Income tax | 1,556,000 | 3,170,000 | 4,656,000 | 5,958,000 |
| Net income | 3,024,000 | 6,110,000 | 9,048,000 | 12,185,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 72,430,000 | 74,216,000 | 75,854,000 | 77,641,000 |
| Total capital | 78,016,000 | 79,908,000 | 81,858,000 | 83,718,000 |
| Risk-weighted assets | 659,576,000 | 683,904,000 | 699,000,000 | 692,534,000 |