Call reports 2013
CITIZENS BANK OF FLORIDA — 2013
What CITIZENS BANK OF FLORIDA reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 227,570,000 | 229,130,000 | 228,224,000 | 222,238,000 |
| Total loans | 125,072,000 | 125,281,000 | 128,210,000 | 134,996,000 |
| Allowance for loan losses | 2,641,000 | 2,334,000 | 2,187,000 | 2,229,000 |
| Securities available for sale | 45,230,000 | 66,569,000 | 64,192,000 | 63,665,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 199,763,000 | 201,608,000 | 201,610,000 | 196,373,000 |
| Interest-bearing deposits | 155,849,000 | 156,502,000 | 153,543,000 | 152,895,000 |
| Noninterest-bearing deposits | 43,914,000 | 45,106,000 | 48,067,000 | 43,478,000 |
| Equity capital | 21,158,000 | 20,434,000 | 18,085,000 | 18,255,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,974,000 | 3,899,000 | 5,969,000 | 8,066,000 |
| Interest expense | 253,000 | 493,000 | 719,000 | 927,000 |
| Net interest income | 1,721,000 | 3,406,000 | 5,250,000 | 7,139,000 |
| Noninterest income | 232,000 | 395,000 | 485,000 | 445,000 |
| Noninterest expense | 1,725,000 | 3,466,000 | 5,381,000 | 7,048,000 |
| Provision for loan losses | 255,000 | 750,000 | 985,000 | 1,382,000 |
| Pretax income | 35,000 | -250,000 | -466,000 | -681,000 |
| Income tax | 1,000 | -1,000 | 1,000 | -70,000 |
| Net income | 34,000 | -249,000 | -467,000 | -611,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,209,000 | 19,360,000 | 18,968,000 | 18,878,000 |
| Total capital | 20,996,000 | 21,206,000 | 20,846,000 | 20,803,000 |
| Risk-weighted assets | 142,052,000 | 147,169,000 | 149,891,000 | 153,699,000 |
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