Call reports 2017
CITIZENS BANK OF FLORIDA — 2017
What CITIZENS BANK OF FLORIDA reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 264,978,000 | 269,492,000 | 265,815,000 | 286,984,000 |
| Total loans | 177,269,000 | 187,239,000 | 189,749,000 | 194,689,000 |
| Allowance for loan losses | 2,766,000 | 2,773,000 | 2,642,000 | 2,650,000 |
| Securities available for sale | 38,490,000 | 39,965,000 | 39,212,000 | 38,165,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 237,183,000 | 238,537,000 | 235,660,000 | 257,728,000 |
| Interest-bearing deposits | 165,458,000 | 169,946,000 | 169,978,000 | 190,075,000 |
| Noninterest-bearing deposits | 71,725,000 | 68,591,000 | 65,682,000 | 67,653,000 |
| Equity capital | 23,990,000 | 24,747,000 | 25,242,000 | 24,778,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 2,326,000 | 4,806,000 | 7,345,000 | 10,094,000 |
| Interest expense | 163,000 | 334,000 | 531,000 | 758,000 |
| Net interest income | 2,163,000 | 4,472,000 | 6,814,000 | 9,336,000 |
| Noninterest income | 222,000 | 434,000 | 692,000 | 902,000 |
| Noninterest expense | 2,012,000 | 4,042,000 | 6,135,000 | 8,328,000 |
| Provision for loan losses | 0 | -110,000 | -110,000 | -110,000 |
| Pretax income | 373,000 | 974,000 | 1,481,000 | 2,020,000 |
| Income tax | 98,000 | 269,000 | 380,000 | 1,209,000 |
| Net income | 275,000 | 705,000 | 1,101,000 | 811,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,525,000 | 24,979,000 | 25,397,000 | 25,132,000 |
| Total capital | 27,099,000 | 27,666,000 | 28,104,000 | 27,847,000 |
| Risk-weighted assets | 205,673,000 | 214,794,000 | 216,827,000 | 217,657,000 |