Call reports 2008
CITIZENS BANK OF FLORIDA — 2008
What CITIZENS 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 | 246,262,000 | 239,409,000 | 238,347,000 | 237,252,000 |
| Total loans | 143,298,000 | 150,920,000 | 157,441,000 | 164,889,000 |
| Allowance for loan losses | 1,692,000 | 1,840,000 | 1,968,000 | 1,900,000 |
| Securities available for sale | 40,736,000 | 44,101,000 | 44,855,000 | 32,209,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 221,260,000 | 215,806,000 | 212,896,000 | 213,290,000 |
| Interest-bearing deposits | 189,143,000 | 181,408,000 | 183,234,000 | 186,359,000 |
| Noninterest-bearing deposits | 32,117,000 | 34,398,000 | 29,662,000 | 26,931,000 |
| Equity capital | 17,208,000 | 16,773,000 | 16,953,000 | 17,643,000 |
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 | 3,388,000 | 6,973,000 | 10,493,000 | 13,632,000 |
| Interest expense | 1,444,000 | 2,861,000 | 4,236,000 | 5,237,000 |
| Net interest income | 1,944,000 | 4,112,000 | 6,257,000 | 8,395,000 |
| Noninterest income | 204,000 | 418,000 | 625,000 | 824,000 |
| Noninterest expense | 1,715,000 | 3,519,000 | 5,389,000 | 7,317,000 |
| Provision for loan losses | 80,000 | 225,000 | 465,000 | 665,000 |
| Pretax income | 560,000 | 1,009,000 | 1,296,000 | 1,624,000 |
| Income tax | 223,000 | 415,000 | 532,000 | 553,000 |
| Net income | 337,000 | 594,000 | 764,000 | 1,071,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,758,000 | 16,845,000 | 17,014,000 | 17,603,000 |
| Total capital | 18,450,000 | 18,685,000 | 18,982,000 | 19,565,000 |
| Risk-weighted assets | 174,450,000 | 183,583,000 | 185,879,000 | 188,682,000 |
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