Call reports 2009
CITIZENS BANK OF FLORIDA — 2009
What CITIZENS 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 | 238,729,000 | 225,547,000 | 224,215,000 | 227,422,000 |
| Total loans | 167,049,000 | 167,752,000 | 164,652,000 | 168,351,000 |
| Allowance for loan losses | 2,083,000 | 2,251,000 | 2,721,000 | 2,639,000 |
| Securities available for sale | 31,102,000 | 24,519,000 | 25,026,000 | 28,660,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 213,618,000 | 199,948,000 | 199,533,000 | 202,696,000 |
| Interest-bearing deposits | 184,116,000 | 172,221,000 | 172,762,000 | 171,420,000 |
| Noninterest-bearing deposits | 29,502,000 | 27,727,000 | 26,771,000 | 31,276,000 |
| Equity capital | 19,286,000 | 19,479,000 | 19,501,000 | 19,593,000 |
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 | 3,081,000 | 6,129,000 | 9,006,000 | 11,811,000 |
| Interest expense | 994,000 | 1,863,000 | 2,711,000 | 3,596,000 |
| Net interest income | 2,087,000 | 4,266,000 | 6,295,000 | 8,215,000 |
| Noninterest income | 194,000 | 387,000 | 586,000 | 797,000 |
| Noninterest expense | 1,917,000 | 3,760,000 | 5,344,000 | 7,208,000 |
| Provision for loan losses | 210,000 | 475,000 | 1,390,000 | 1,513,000 |
| Pretax income | 154,000 | 418,000 | 147,000 | 353,000 |
| Income tax | 36,000 | 114,000 | -9,000 | 67,000 |
| Net income | 118,000 | 304,000 | 156,000 | 286,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,324,000 | 19,510,000 | 19,363,000 | 19,493,000 |
| Total capital | 21,469,000 | 21,823,000 | 21,683,000 | 21,828,000 |
| Risk-weighted assets | 191,385,000 | 192,745,000 | 185,103,000 | 186,431,000 |
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