Call reports 2005
FIRST BANK OF MIAMI — 2005
What FIRST BANK OF MIAMI 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 | 165,030,000 | 161,893,000 | 156,447,000 | 172,218,000 |
| Total loans | 75,830,000 | 85,009,000 | 84,076,000 | 83,900,000 |
| Allowance for loan losses | 848,000 | 889,000 | 970,000 | 880,000 |
| Securities available for sale | 54,740,000 | 55,044,000 | 54,345,000 | 54,086,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 145,472,000 | 141,970,000 | 136,228,000 | 152,975,000 |
| Interest-bearing deposits | 101,654,000 | 103,924,000 | 99,428,000 | 115,417,000 |
| Noninterest-bearing deposits | 43,818,000 | 38,046,000 | 36,800,000 | 37,558,000 |
| Equity capital | 13,686,000 | 14,259,000 | 14,143,000 | 14,141,000 |
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 | 1,879,000 | 3,963,000 | 6,220,000 | 8,433,000 |
| Interest expense | 392,000 | 842,000 | 1,390,000 | 2,018,000 |
| Net interest income | 1,487,000 | 3,121,000 | 4,830,000 | 6,415,000 |
| Noninterest income | 517,000 | 1,005,000 | 1,460,000 | 1,916,000 |
| Noninterest expense | 1,619,000 | 3,210,000 | 4,908,000 | 6,871,000 |
| Provision for loan losses | 106,000 | 151,000 | 233,000 | 137,000 |
| Pretax income | 279,000 | 765,000 | 1,149,000 | 1,323,000 |
| Income tax | 105,000 | 288,000 | 429,000 | 515,000 |
| Net income | 174,000 | 477,000 | 720,000 | 808,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,286,000 | 14,590,000 | 14,832,000 | 14,921,000 |
| Total capital | 15,134,000 | 15,479,000 | 15,802,000 | 15,801,000 |
| Risk-weighted assets | 107,106,000 | 108,239,000 | 104,374,000 | 109,516,000 |