Call reports 2006
FIRST COMMERCIAL BANK OF FLORIDA — 2006
What FIRST 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 | 631,699,000 | 642,828,000 | 665,233,000 | 669,173,000 |
| Total loans | 501,930,000 | 523,412,000 | 553,003,000 | 565,954,000 |
| Allowance for loan losses | 6,270,000 | 6,380,000 | 6,800,000 | 6,902,000 |
| Securities available for sale | 2,925,000 | 1,197,000 | 1,022,000 | 1,141,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 532,449,000 | 546,276,000 | 560,218,000 | 560,884,000 |
| Interest-bearing deposits | 446,969,000 | 462,359,000 | 487,605,000 | 487,486,000 |
| Noninterest-bearing deposits | 85,480,000 | 83,917,000 | 72,613,000 | 73,398,000 |
| Equity capital | 38,288,000 | 41,384,000 | 47,290,000 | 50,402,000 |
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 | 10,917,000 | 23,455,000 | 36,830,000 | 50,838,000 |
| Interest expense | 4,406,000 | 9,845,000 | 15,879,000 | 22,432,000 |
| Net interest income | 6,511,000 | 13,610,000 | 20,951,000 | 28,406,000 |
| Noninterest income | 688,000 | 1,329,000 | 1,936,000 | 2,542,000 |
| Noninterest expense | 2,490,000 | 5,150,000 | 7,839,000 | 10,741,000 |
| Provision for loan losses | 374,000 | 484,000 | 942,000 | 1,053,000 |
| Pretax income | 4,335,000 | 9,305,000 | 14,106,000 | 19,154,000 |
| Income tax | 1,625,000 | 3,492,000 | 5,406,000 | 7,353,000 |
| Net income | 2,710,000 | 5,813,000 | 8,700,000 | 11,801,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 38,322,000 | 41,425,000 | 47,313,000 | 50,421,000 |
| Total capital | 61,592,000 | 64,805,000 | 71,113,000 | 74,323,000 |
| Risk-weighted assets | 589,991,000 | 613,895,000 | 648,090,000 | 663,096,000 |