Call reports 2012
CITIZENS BANK OF FLORIDA — 2012
What CITIZENS BANK OF FLORIDA reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 226,000,000 | 224,903,000 | 219,789,000 | 231,976,000 |
| Total loans | 132,779,000 | 132,293,000 | 130,796,000 | 127,754,000 |
| Allowance for loan losses | 3,116,000 | 3,308,000 | 3,615,000 | 2,510,000 |
| Securities available for sale | 45,650,000 | 53,811,000 | 52,228,000 | 61,833,000 |
| Securities held to maturity | 5,475,000 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 199,614,000 | 196,610,000 | 192,798,000 | 203,522,000 |
| Interest-bearing deposits | 162,048,000 | 156,903,000 | 154,593,000 | 163,415,000 |
| Noninterest-bearing deposits | 37,566,000 | 39,707,000 | 38,205,000 | 40,107,000 |
| Equity capital | 20,175,000 | 20,587,000 | 20,982,000 | 21,318,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 2,218,000 | 4,383,000 | 6,498,000 | 8,547,000 |
| Interest expense | 351,000 | 670,000 | 960,000 | 1,238,000 |
| Net interest income | 1,867,000 | 3,713,000 | 5,538,000 | 7,309,000 |
| Noninterest income | 200,000 | 176,000 | 288,000 | 520,000 |
| Noninterest expense | 1,758,000 | 3,423,000 | 5,074,000 | 6,824,000 |
| Provision for loan losses | 498,000 | 873,000 | 1,334,000 | 2,134,000 |
| Pretax income | 174,000 | 376,000 | 201,000 | -98,000 |
| Income tax | 36,000 | 78,000 | 5,000 | -126,000 |
| Net income | 138,000 | 298,000 | 196,000 | 28,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,462,000 | 18,590,000 | 18,998,000 | 19,342,000 |
| Total capital | 20,373,000 | 20,453,000 | 20,811,000 | 21,173,000 |
| Risk-weighted assets | 151,631,000 | 147,593,000 | 143,165,000 | 145,755,000 |
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