Call reports 2014
CITIZENS BANK OF FLORIDA — 2014
What CITIZENS BANK OF FLORIDA reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 231,141,000 | 230,442,000 | 232,108,000 | 234,158,000 |
| Total loans | 126,661,000 | 133,691,000 | 139,037,000 | 152,274,000 |
| Allowance for loan losses | 2,355,000 | 2,370,000 | 2,380,000 | 2,460,000 |
| Securities available for sale | 64,024,000 | 63,441,000 | 59,830,000 | 51,388,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 205,788,000 | 203,637,000 | 205,522,000 | 207,277,000 |
| Interest-bearing deposits | 157,595,000 | 152,554,000 | 153,458,000 | 156,864,000 |
| Noninterest-bearing deposits | 48,193,000 | 51,083,000 | 52,064,000 | 50,413,000 |
| Equity capital | 18,997,000 | 19,924,000 | 20,258,000 | 21,431,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 2,076,000 | 4,151,000 | 6,289,000 | 8,488,000 |
| Interest expense | 200,000 | 395,000 | 574,000 | 748,000 |
| Net interest income | 1,876,000 | 3,756,000 | 5,715,000 | 7,740,000 |
| Noninterest income | 224,000 | 447,000 | 698,000 | 777,000 |
| Noninterest expense | 1,764,000 | 3,624,000 | 5,545,000 | 7,528,000 |
| Provision for loan losses | 70,000 | 70,000 | 70,000 | 70,000 |
| Pretax income | 266,000 | 500,000 | 785,000 | 889,000 |
| Income tax | 0 | 0 | 50,000 | 50,000 |
| Net income | 266,000 | 500,000 | 735,000 | 839,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,444,000 | 19,782,000 | 19,982,000 | 20,189,000 |
| Total capital | 21,287,000 | 21,708,000 | 21,967,000 | 22,307,000 |
| Risk-weighted assets | 146,858,000 | 153,583,000 | 158,403,000 | 169,056,000 |
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