Call reports 2005
FIRST COMMERCIAL BANK OF FLORIDA — 2005
What FIRST 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 | 396,849,000 | 461,570,000 | 503,053,000 | 544,547,000 |
| Total loans | 323,539,000 | 368,014,000 | 415,647,000 | 453,511,000 |
| Allowance for loan losses | 4,665,000 | 5,137,000 | 5,653,000 | 5,896,000 |
| Securities available for sale | 3,269,000 | 3,212,000 | 3,082,000 | 2,974,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 332,058,000 | 387,552,000 | 415,342,000 | 439,670,000 |
| Interest-bearing deposits | 262,461,000 | 311,625,000 | 328,419,000 | 361,095,000 |
| Noninterest-bearing deposits | 69,597,000 | 75,927,000 | 86,923,000 | 78,575,000 |
| Equity capital | 28,655,000 | 30,461,000 | 33,145,000 | 35,577,000 |
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 | 6,019,000 | 13,206,000 | 21,718,000 | 31,506,000 |
| Interest expense | 1,834,000 | 4,196,000 | 7,031,000 | 10,683,000 |
| Net interest income | 4,185,000 | 9,010,000 | 14,687,000 | 20,823,000 |
| Noninterest income | 538,000 | 1,127,000 | 1,793,000 | 2,407,000 |
| Noninterest expense | 1,926,000 | 4,020,000 | 6,331,000 | 9,197,000 |
| Provision for loan losses | 255,000 | 722,000 | 1,238,000 | 1,484,000 |
| Pretax income | 2,542,000 | 5,395,000 | 8,911,000 | 12,549,000 |
| Income tax | 953,000 | 2,024,000 | 3,346,000 | 4,536,000 |
| Net income | 1,589,000 | 3,371,000 | 5,565,000 | 8,013,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,688,000 | 30,470,000 | 33,164,000 | 35,612,000 |
| Total capital | 39,353,000 | 43,607,000 | 50,817,000 | 53,508,000 |
| Risk-weighted assets | 374,187,000 | 434,728,000 | 485,683,000 | 525,021,000 |