Call reports 2011
CITIZENS BANK OF FLORIDA — 2011
What CITIZENS BANK OF FLORIDA reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 218,981,000 | 226,388,000 | 224,906,000 | 225,615,000 |
| Total loans | 150,955,000 | 148,192,000 | 139,893,000 | 137,448,000 |
| Allowance for loan losses | 3,165,000 | 3,314,000 | 3,490,000 | 3,755,000 |
| Securities available for sale | 35,624,000 | 36,623,000 | 39,669,000 | 46,965,000 |
| Securities held to maturity | 0 | 1,099,000 | 6,043,000 | 5,796,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 194,966,000 | 201,133,000 | 200,099,000 | 199,772,000 |
| Interest-bearing deposits | 163,449,000 | 166,023,000 | 164,867,000 | 164,637,000 |
| Noninterest-bearing deposits | 31,517,000 | 35,110,000 | 35,232,000 | 35,135,000 |
| Equity capital | 19,587,000 | 20,112,000 | 20,466,000 | 20,361,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 2,427,000 | 4,820,000 | 7,163,000 | 9,398,000 |
| Interest expense | 485,000 | 945,000 | 1,365,000 | 1,752,000 |
| Net interest income | 1,942,000 | 3,875,000 | 5,798,000 | 7,646,000 |
| Noninterest income | 177,000 | 281,000 | 366,000 | 526,000 |
| Noninterest expense | 1,750,000 | 3,593,000 | 5,375,000 | 7,086,000 |
| Provision for loan losses | 590,000 | 1,045,000 | 1,770,000 | 2,305,000 |
| Pretax income | -221,000 | -471,000 | -784,000 | -972,000 |
| Income tax | -117,000 | -245,000 | -394,000 | -525,000 |
| Net income | -104,000 | -226,000 | -390,000 | -447,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,292,000 | 18,515,000 | 18,542,000 | 18,339,000 |
| Total capital | 20,353,000 | 20,561,000 | 20,570,000 | 20,317,000 |
| Risk-weighted assets | 163,753,000 | 162,393,000 | 160,744,000 | 156,424,000 |
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