Call reports 2004
FIRST COMMERCIAL BANK OF FLORIDA — 2004
What FIRST 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 | 269,323,000 | 277,823,000 | 312,230,000 | 353,978,000 |
| Total loans | 199,704,000 | 226,206,000 | 258,627,000 | 294,930,000 |
| Allowance for loan losses | 3,045,000 | 3,385,000 | 3,870,000 | 4,410,000 |
| Securities available for sale | 2,805,000 | 5,138,000 | 4,947,000 | 3,408,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 223,495,000 | 231,586,000 | 244,910,000 | 289,546,000 |
| Interest-bearing deposits | 182,187,000 | 184,369,000 | 195,643,000 | 240,365,000 |
| Noninterest-bearing deposits | 41,308,000 | 47,217,000 | 49,267,000 | 49,181,000 |
| Equity capital | 18,040,000 | 18,573,000 | 21,240,000 | 26,102,000 |
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 | 3,506,000 | 7,274,000 | 11,591,000 | 16,790,000 |
| Interest expense | 1,037,000 | 2,146,000 | 3,378,000 | 4,933,000 |
| Net interest income | 2,469,000 | 5,128,000 | 8,213,000 | 11,857,000 |
| Noninterest income | 480,000 | 906,000 | 1,386,000 | 1,875,000 |
| Noninterest expense | 1,652,000 | 3,387,000 | 5,171,000 | 7,170,000 |
| Provision for loan losses | 150,000 | 503,000 | 988,000 | 1,527,000 |
| Pretax income | 1,147,000 | 2,144,000 | 3,440,000 | 5,035,000 |
| Income tax | 424,000 | 794,000 | 1,283,000 | 1,803,000 |
| Net income | 723,000 | 1,350,000 | 2,157,000 | 3,232,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,990,000 | 18,617,000 | 21,224,000 | 26,099,000 |
| Total capital | 27,035,000 | 28,002,000 | 30,998,000 | 36,347,000 |
| Risk-weighted assets | 250,587,000 | 272,125,000 | 301,819,000 | 339,721,000 |