Call reports 2015
CITIZENS BANK OF FLORIDA — 2015
What CITIZENS BANK OF FLORIDA reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 237,478,000 | 233,173,000 | 236,012,000 | 228,119,000 |
| Total loans | 159,329,000 | 164,523,000 | 170,754,000 | 175,616,000 |
| Allowance for loan losses | 2,557,000 | 2,641,000 | 2,760,000 | 2,807,000 |
| Securities available for sale | 38,988,000 | 36,386,000 | 32,334,000 | 32,030,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 209,587,000 | 205,624,000 | 208,776,000 | 200,517,000 |
| Interest-bearing deposits | 152,901,000 | 150,945,000 | 152,678,000 | 146,504,000 |
| Noninterest-bearing deposits | 56,686,000 | 54,679,000 | 56,098,000 | 54,013,000 |
| Equity capital | 21,912,000 | 21,946,000 | 22,298,000 | 22,557,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 2,190,000 | 4,388,000 | 6,617,000 | 8,923,000 |
| Interest expense | 164,000 | 323,000 | 481,000 | 630,000 |
| Net interest income | 2,026,000 | 4,065,000 | 6,136,000 | 8,293,000 |
| Noninterest income | 160,000 | 377,000 | 600,000 | 784,000 |
| Noninterest expense | 1,844,000 | 3,770,000 | 5,686,000 | 7,540,000 |
| Provision for loan losses | 35,000 | 110,000 | 220,000 | 260,000 |
| Pretax income | 305,000 | 587,000 | 869,000 | 1,316,000 |
| Income tax | 90,000 | 174,000 | 270,000 | 444,000 |
| Net income | 215,000 | 413,000 | 599,000 | 872,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,989,000 | 22,005,000 | 22,462,000 | 22,842,000 |
| Total capital | 24,288,000 | 24,392,000 | 24,918,000 | 25,276,000 |
| Risk-weighted assets | 183,591,000 | 190,428,000 | 196,068,000 | 194,263,000 |