Call reports 2008
FIRST COMMERCIAL BANK OF FLORIDA — 2008
What FIRST COMMERCIAL BANK OF FLORIDA reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 724,481,000 | 726,677,000 | 745,292,000 | 703,682,000 |
| Total loans | 605,318,000 | 610,434,000 | 602,023,000 | 597,661,000 |
| Allowance for loan losses | 8,746,000 | 9,816,000 | 13,680,000 | 20,656,000 |
| Securities available for sale | 4,508,000 | 4,416,000 | 4,260,000 | 24,142,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 598,344,000 | 601,045,000 | 634,986,000 | 598,174,000 |
| Interest-bearing deposits | 568,852,000 | 573,906,000 | 611,187,000 | 576,349,000 |
| Noninterest-bearing deposits | 29,492,000 | 27,139,000 | 23,798,000 | 21,825,000 |
| Equity capital | 61,950,000 | 58,583,000 | 56,860,000 | 52,061,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 12,813,000 | 24,342,000 | 35,071,000 | 44,802,000 |
| Interest expense | 6,566,000 | 12,532,000 | 18,500,000 | 24,183,000 |
| Net interest income | 6,247,000 | 11,810,000 | 16,571,000 | 20,619,000 |
| Noninterest income | 511,000 | 973,000 | 1,419,000 | 1,865,000 |
| Noninterest expense | 3,239,000 | 6,508,000 | 9,700,000 | 12,823,000 |
| Provision for loan losses | 800,000 | 2,645,000 | 7,450,000 | 16,473,000 |
| Pretax income | 2,713,000 | 3,624,000 | 834,000 | -6,818,000 |
| Income tax | 1,021,000 | 1,366,000 | 275,000 | -2,612,000 |
| Net income | 1,692,000 | 2,258,000 | 559,000 | -4,206,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 62,077,000 | 58,643,000 | 56,944,000 | 52,179,000 |
| Total capital | 86,990,000 | 83,492,000 | 81,125,000 | 76,029,000 |
| Risk-weighted assets | 680,762,000 | 674,521,000 | 657,020,000 | 624,260,000 |