Call reports 2007
FIRST COMMERCIAL BANK OF FLORIDA — 2007
What FIRST COMMERCIAL BANK OF FLORIDA reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 684,703,000 | 710,501,000 | 707,963,000 | 717,502,000 |
| Total loans | 568,449,000 | 586,397,000 | 591,744,000 | 613,790,000 |
| Allowance for loan losses | 6,957,000 | 7,331,000 | 7,577,000 | 8,353,000 |
| Securities available for sale | 1,101,000 | 1,029,000 | 1,015,000 | 5,668,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 573,122,000 | 604,274,000 | 586,019,000 | 583,244,000 |
| Interest-bearing deposits | 504,141,000 | 535,442,000 | 557,214,000 | 554,119,000 |
| Noninterest-bearing deposits | 68,981,000 | 68,832,000 | 28,805,000 | 29,125,000 |
| Equity capital | 53,060,000 | 55,673,000 | 58,466,000 | 60,644,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 13,832,000 | 28,164,000 | 42,907,000 | 57,070,000 |
| Interest expense | 6,789,000 | 13,765,000 | 21,082,000 | 28,159,000 |
| Net interest income | 7,043,000 | 14,399,000 | 21,825,000 | 28,911,000 |
| Noninterest income | 620,000 | 1,289,000 | 1,932,000 | 2,408,000 |
| Noninterest expense | 3,250,000 | 6,613,000 | 9,896,000 | 12,990,000 |
| Provision for loan losses | 91,000 | 479,000 | 749,000 | 1,654,000 |
| Pretax income | 4,322,000 | 8,596,000 | 13,112,000 | 16,675,000 |
| Income tax | 1,667,000 | 3,315,000 | 5,057,000 | 6,434,000 |
| Net income | 2,655,000 | 5,281,000 | 8,055,000 | 10,241,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 53,075,000 | 55,702,000 | 58,476,000 | 60,688,000 |
| Total capital | 77,042,000 | 80,058,000 | 83,082,000 | 86,078,000 |
| Risk-weighted assets | 679,531,000 | 692,891,000 | 681,810,000 | 699,511,000 |