Call reports 2019
CITIZENS BANK OF FLORIDA — 2019
What CITIZENS BANK OF FLORIDA reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 318,219,000 | 338,175,000 | 354,346,000 | 356,958,000 |
| Total loans | 220,217,000 | 219,771,000 | 221,925,000 | 220,686,000 |
| Allowance for loan losses | 3,007,000 | 3,055,000 | 3,101,000 | 2,857,000 |
| Securities available for sale | 51,171,000 | 47,549,000 | 59,901,000 | 69,907,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 285,705,000 | 303,469,000 | 316,596,000 | 317,944,000 |
| Interest-bearing deposits | 201,636,000 | 214,278,000 | 227,541,000 | 232,663,000 |
| Noninterest-bearing deposits | 84,069,000 | 89,191,000 | 89,055,000 | 85,281,000 |
| Equity capital | 27,353,000 | 28,636,000 | 29,461,000 | 30,476,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 3,279,000 | 6,734,000 | 10,389,000 | 14,051,000 |
| Interest expense | 502,000 | 1,042,000 | 1,613,000 | 2,120,000 |
| Net interest income | 2,777,000 | 5,692,000 | 8,776,000 | 11,931,000 |
| Noninterest income | 158,000 | 360,000 | 575,000 | 1,250,000 |
| Noninterest expense | 2,291,000 | 4,564,000 | 6,886,000 | 9,222,000 |
| Provision for loan losses | 110,000 | 155,000 | 200,000 | 207,000 |
| Pretax income | 534,000 | 1,333,000 | 2,265,000 | 3,752,000 |
| Income tax | 114,000 | 264,000 | 444,000 | 895,000 |
| Net income | 420,000 | 1,069,000 | 1,821,000 | 2,857,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,706,000 | 28,377,000 | 29,152,000 | 30,214,000 |
| Total capital | 30,808,000 | 31,527,000 | 32,348,000 | 33,159,000 |
| Risk-weighted assets | 256,091,000 | 254,557,000 | 255,692,000 | 255,919,000 |