Call reports 2020
CITIZENS BANK OF FLORIDA — 2020
What CITIZENS BANK OF FLORIDA reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 355,730,000 | 410,012,000 | 432,561,000 | 452,253,000 |
| Total loans | 227,091,000 | 284,200,000 | 288,557,000 | 265,115,000 |
| Allowance for loan losses | 2,718,000 | 3,348,000 | 3,389,000 | 3,506,000 |
| Securities available for sale | 63,719,000 | 65,889,000 | 67,294,000 | 93,315,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 316,647,000 | 368,216,000 | 389,473,000 | 401,980,000 |
| Interest-bearing deposits | 225,353,000 | 251,840,000 | 269,956,000 | 282,562,000 |
| Noninterest-bearing deposits | 91,294,000 | 116,376,000 | 119,517,000 | 119,418,000 |
| Equity capital | 31,707,000 | 33,430,000 | 34,725,000 | 40,110,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 3,491,000 | 8,149,000 | 11,676,000 | 15,260,000 |
| Interest expense | 470,000 | 816,000 | 1,155,000 | 1,479,000 |
| Net interest income | 3,021,000 | 7,333,000 | 10,521,000 | 13,781,000 |
| Noninterest income | 187,000 | 382,000 | 577,000 | 785,000 |
| Noninterest expense | 2,429,000 | 4,978,000 | 7,453,000 | 10,054,000 |
| Provision for loan losses | 0 | 625,000 | 740,000 | 850,000 |
| Pretax income | 1,112,000 | 2,445,000 | 3,238,000 | 3,995,000 |
| Income tax | 269,000 | 599,000 | 783,000 | 986,000 |
| Net income | 843,000 | 1,846,000 | 2,455,000 | 3,009,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,081,000 | 32,088,000 | 33,375,000 | 38,934,000 |
| Total capital | 33,887,000 | 35,471,000 | 36,852,000 | 42,520,000 |
| Risk-weighted assets | 267,665,000 | 270,657,000 | 279,778,000 | 294,827,000 |