Call reports 2021
CITIZENS BANK OF FLORIDA — 2021
What CITIZENS BANK OF FLORIDA reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 480,091,000 | 491,657,000 | 505,445,000 | 569,224,000 |
| Total loans | 288,729,000 | 289,319,000 | 283,798,000 | 274,004,000 |
| Allowance for loan losses | 3,608,000 | 3,674,000 | 3,714,000 | 3,797,000 |
| Securities available for sale | 113,044,000 | 115,961,000 | 114,594,000 | 110,422,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 430,716,000 | 442,034,000 | 453,990,000 | 520,088,000 |
| Interest-bearing deposits | 296,680,000 | 301,463,000 | 297,840,000 | 308,181,000 |
| Noninterest-bearing deposits | 134,036,000 | 140,571,000 | 156,150,000 | 211,907,000 |
| Equity capital | 39,616,000 | 41,071,000 | 42,530,000 | 40,435,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 4,284,000 | 8,324,000 | 12,172,000 | 15,951,000 |
| Interest expense | 301,000 | 592,000 | 859,000 | 1,111,000 |
| Net interest income | 3,983,000 | 7,732,000 | 11,313,000 | 14,840,000 |
| Noninterest income | 208,000 | 800,000 | 1,065,000 | 1,714,000 |
| Noninterest expense | 2,575,000 | 5,247,000 | 7,840,000 | 13,191,000 |
| Provision for loan losses | 90,000 | 150,000 | 185,000 | 260,000 |
| Pretax income | 1,542,000 | 3,151,000 | 4,369,000 | 3,119,000 |
| Income tax | 377,000 | 771,000 | 1,063,000 | 930,000 |
| Net income | 1,165,000 | 2,380,000 | 3,306,000 | 2,189,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 40,101,000 | 41,322,000 | 42,253,000 | 41,136,000 |
| Total capital | 43,789,000 | 45,076,000 | 46,047,000 | 45,013,000 |
| Risk-weighted assets | 304,245,000 | 311,502,000 | 323,071,000 | 327,444,000 |