Call reports 2007
FIRST BANK OF MIAMI — 2007
What FIRST BANK OF MIAMI 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 | 162,982,000 | 161,929,000 | 157,524,000 | 154,922,000 |
| Total loans | 99,060,000 | 98,152,000 | 96,316,000 | 94,880,000 |
| Allowance for loan losses | 933,000 | 870,000 | 837,000 | 760,000 |
| Securities available for sale | 44,243,000 | 52,146,000 | 48,567,000 | 46,670,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 141,704,000 | 137,145,000 | 135,130,000 | 132,689,000 |
| Interest-bearing deposits | 107,850,000 | 101,772,000 | 102,975,000 | 102,914,000 |
| Noninterest-bearing deposits | 33,854,000 | 35,373,000 | 32,155,000 | 29,775,000 |
| Equity capital | 20,116,000 | 20,151,000 | 20,637,000 | 20,932,000 |
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 | 2,637,000 | 5,255,000 | 7,891,000 | 10,459,000 |
| Interest expense | 1,060,000 | 2,139,000 | 3,206,000 | 4,275,000 |
| Net interest income | 1,577,000 | 3,116,000 | 4,685,000 | 6,184,000 |
| Noninterest income | 363,000 | 770,000 | 1,142,000 | 1,538,000 |
| Noninterest expense | 1,880,000 | 3,794,000 | 5,443,000 | 7,144,000 |
| Provision for loan losses | -14,000 | -88,000 | -121,000 | -196,000 |
| Pretax income | 74,000 | 180,000 | 505,000 | 828,000 |
| Income tax | 29,000 | 70,000 | 194,000 | 316,000 |
| Net income | 45,000 | 110,000 | 311,000 | 512,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,494,000 | 20,559,000 | 20,760,000 | 20,969,000 |
| Total capital | 21,427,000 | 21,429,000 | 21,597,000 | 21,729,000 |
| Risk-weighted assets | 114,637,000 | 115,529,000 | 119,729,000 | 110,875,000 |