Call reports 2009
FIRST COMMERCIAL BANK OF FLORIDA — 2009
What FIRST COMMERCIAL BANK OF FLORIDA reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 719,167,000 | 700,751,000 | 686,872,000 | 668,772,000 |
| Total loans | 580,263,000 | 579,535,000 | 549,205,000 | 525,193,000 |
| Allowance for loan losses | 17,570,000 | 19,240,000 | 13,800,000 | 12,890,000 |
| Securities available for sale | 23,489,000 | 21,517,000 | 20,290,000 | 15,078,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 605,594,000 | 588,996,000 | 577,357,000 | 566,925,000 |
| Interest-bearing deposits | 584,429,000 | 569,570,000 | 531,096,000 | 527,894,000 |
| Noninterest-bearing deposits | 21,165,000 | 19,426,000 | 46,261,000 | 39,031,000 |
| Equity capital | 52,224,000 | 50,125,000 | 48,061,000 | 40,215,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 9,100,000 | 17,206,000 | 25,274,000 | 32,723,000 |
| Interest expense | 5,507,000 | 10,524,000 | 15,246,000 | 19,536,000 |
| Net interest income | 3,593,000 | 6,682,000 | 10,028,000 | 13,187,000 |
| Noninterest income | 316,000 | 695,000 | 1,099,000 | 1,089,000 |
| Noninterest expense | 3,178,000 | 6,309,000 | 9,486,000 | 12,575,000 |
| Provision for loan losses | 971,000 | 5,760,000 | 10,658,000 | 23,484,000 |
| Pretax income | -240,000 | -4,692,000 | -9,017,000 | -21,878,000 |
| Income tax | -95,000 | -1,674,000 | -3,317,000 | -8,328,000 |
| Net income | -145,000 | -3,018,000 | -5,700,000 | -13,550,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 52,034,000 | 49,911,000 | 47,822,000 | 40,007,000 |
| Total capital | 72,860,000 | 70,647,000 | 67,741,000 | 59,632,000 |
| Risk-weighted assets | 616,345,000 | 607,386,000 | 587,136,000 | 564,202,000 |