Call reports 2018
CITIZENS BANK OF FLORIDA — 2018
What CITIZENS BANK OF FLORIDA reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 293,055,000 | 303,874,000 | 303,489,000 | 306,578,000 |
| Total loans | 193,409,000 | 199,235,000 | 214,296,000 | 218,134,000 |
| Allowance for loan losses | 2,714,000 | 2,761,000 | 2,770,000 | 2,892,000 |
| Securities available for sale | 41,529,000 | 47,881,000 | 50,877,000 | 50,860,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 264,011,000 | 273,559,000 | 270,588,000 | 274,441,000 |
| Interest-bearing deposits | 190,141,000 | 200,100,000 | 191,389,000 | 198,215,000 |
| Noninterest-bearing deposits | 73,870,000 | 73,459,000 | 79,199,000 | 76,226,000 |
| Equity capital | 24,640,000 | 24,945,000 | 25,387,000 | 26,564,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 2,707,000 | 5,621,000 | 8,741,000 | 12,072,000 |
| Interest expense | 278,000 | 607,000 | 997,000 | 1,453,000 |
| Net interest income | 2,429,000 | 5,014,000 | 7,744,000 | 10,619,000 |
| Noninterest income | 213,000 | 344,000 | 550,000 | 756,000 |
| Noninterest expense | 2,154,000 | 4,313,000 | 6,470,000 | 8,565,000 |
| Provision for loan losses | 60,000 | 100,000 | 160,000 | 280,000 |
| Pretax income | 428,000 | 945,000 | 1,664,000 | 2,530,000 |
| Income tax | 88,000 | 193,000 | 327,000 | 497,000 |
| Net income | 340,000 | 752,000 | 1,337,000 | 2,033,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,497,000 | 25,932,000 | 26,541,000 | 27,262,000 |
| Total capital | 28,276,000 | 28,763,000 | 29,381,000 | 30,224,000 |
| Risk-weighted assets | 226,095,000 | 231,422,000 | 251,197,000 | 256,642,000 |