Call reports 2016
CITIZENS BANK OF FLORIDA — 2016
What CITIZENS BANK OF FLORIDA reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 242,225,000 | 253,077,000 | 256,957,000 | 258,918,000 |
| Total loans | 168,940,000 | 177,385,000 | 180,185,000 | 180,764,000 |
| Allowance for loan losses | 2,769,000 | 2,751,000 | 2,837,000 | 2,759,000 |
| Securities available for sale | 28,287,000 | 27,991,000 | 30,945,000 | 35,980,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 214,841,000 | 224,034,000 | 227,748,000 | 231,307,000 |
| Interest-bearing deposits | 154,924,000 | 161,778,000 | 164,115,000 | 166,857,000 |
| Noninterest-bearing deposits | 59,917,000 | 62,256,000 | 63,633,000 | 64,450,000 |
| Equity capital | 23,171,000 | 23,682,000 | 24,040,000 | 23,578,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 2,263,000 | 4,636,000 | 7,005,000 | 9,365,000 |
| Interest expense | 156,000 | 312,000 | 469,000 | 620,000 |
| Net interest income | 2,107,000 | 4,324,000 | 6,536,000 | 8,745,000 |
| Noninterest income | 231,000 | 465,000 | 703,000 | 922,000 |
| Noninterest expense | 1,944,000 | 3,860,000 | 5,815,000 | 7,808,000 |
| Provision for loan losses | 0 | 35,000 | 35,000 | 35,000 |
| Pretax income | 394,000 | 894,000 | 1,389,000 | 1,824,000 |
| Income tax | 132,000 | 309,000 | 482,000 | 632,000 |
| Net income | 262,000 | 585,000 | 907,000 | 1,192,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,160,000 | 23,563,000 | 23,912,000 | 24,226,000 |
| Total capital | 25,468,000 | 26,010,000 | 26,441,000 | 26,806,000 |
| Risk-weighted assets | 184,139,000 | 195,393,000 | 201,931,000 | 206,151,000 |