Call reports 2010
CITIZENS BANK OF FLORIDA — 2010
What CITIZENS BANK OF FLORIDA reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 236,216,000 | 233,872,000 | 228,828,000 | 215,562,000 |
| Total loans | 167,610,000 | 165,166,000 | 158,502,000 | 156,569,000 |
| Allowance for loan losses | 3,011,000 | 2,997,000 | 3,962,000 | 4,904,000 |
| Securities available for sale | 33,468,000 | 31,172,000 | 36,524,000 | 35,278,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 210,373,000 | 208,606,000 | 203,519,000 | 192,028,000 |
| Interest-bearing deposits | 178,948,000 | 175,700,000 | 173,136,000 | 162,464,000 |
| Noninterest-bearing deposits | 31,425,000 | 32,906,000 | 30,383,000 | 29,564,000 |
| Equity capital | 19,602,000 | 19,659,000 | 19,953,000 | 19,521,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 2,681,000 | 5,329,000 | 7,974,000 | 10,494,000 |
| Interest expense | 790,000 | 1,500,000 | 2,132,000 | 2,679,000 |
| Net interest income | 1,891,000 | 3,829,000 | 5,842,000 | 7,815,000 |
| Noninterest income | 124,000 | 80,000 | 103,000 | 103,000 |
| Noninterest expense | 1,653,000 | 3,338,000 | 4,853,000 | 6,366,000 |
| Provision for loan losses | 360,000 | 1,975,000 | 3,744,000 | 5,269,000 |
| Pretax income | 2,000 | -1,322,000 | -2,570,000 | -3,594,000 |
| Income tax | -13,000 | -540,000 | -961,000 | -1,466,000 |
| Net income | 15,000 | -782,000 | -1,609,000 | -2,128,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,508,000 | 19,510,000 | 19,723,000 | 18,665,000 |
| Total capital | 21,830,000 | 21,783,000 | 21,961,000 | 20,836,000 |
| Risk-weighted assets | 185,007,000 | 181,083,000 | 177,345,000 | 170,918,000 |
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