Call reports 2003
FIRST COMMERCIAL BANK OF FLORIDA — 2003
What FIRST 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 | 216,449,000 | 233,362,000 | 232,067,000 | 245,170,000 |
| Total loans | 169,454,000 | 181,490,000 | 189,754,000 | 184,574,000 |
| Allowance for loan losses | 2,540,000 | 2,728,000 | 2,880,000 | 2,895,000 |
| Securities available for sale | 0 | 2,047,000 | 5,685,000 | 3,165,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 190,690,000 | 197,082,000 | 184,820,000 | 202,474,000 |
| Interest-bearing deposits | 163,814,000 | 170,591,000 | 159,885,000 | 162,281,000 |
| Noninterest-bearing deposits | 26,875,000 | 26,491,000 | 24,935,000 | 40,193,000 |
| Equity capital | 15,661,000 | 16,106,000 | 16,718,000 | 17,263,000 |
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 | 3,106,000 | 6,425,000 | 9,926,000 | 13,341,000 |
| Interest expense | 1,280,000 | 2,616,000 | 3,834,000 | 4,941,000 |
| Net interest income | 1,826,000 | 3,809,000 | 6,092,000 | 8,400,000 |
| Noninterest income | 340,000 | 839,000 | 1,330,000 | 1,728,000 |
| Noninterest expense | 1,506,000 | 3,084,000 | 4,757,000 | 6,623,000 |
| Provision for loan losses | 302,000 | 492,000 | 653,000 | 693,000 |
| Pretax income | 358,000 | 1,072,000 | 2,012,000 | 2,812,000 |
| Income tax | 127,000 | 395,000 | 748,000 | 975,000 |
| Net income | 231,000 | 677,000 | 1,264,000 | 1,837,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,661,000 | 16,106,000 | 16,693,000 | 17,267,000 |
| Total capital | 22,047,000 | 22,770,000 | 23,528,000 | 24,140,000 |
| Risk-weighted assets | 190,718,000 | 213,035,000 | 226,631,000 | 229,925,000 |