Call reports 2003
CITRUS AND CHEMICAL BANK — 2003
What CITRUS AND CHEMICAL BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 585,545,000 | 590,227,000 | 599,716,000 | 621,386,000 |
| Total loans | 300,418,000 | 304,434,000 | 310,786,000 | 327,500,000 |
| Allowance for loan losses | 3,698,000 | 3,743,000 | 3,839,000 | 3,682,000 |
| Securities available for sale | 209,527,000 | 222,713,000 | 221,895,000 | 219,958,000 |
| Securities held to maturity | 13,194,000 | 14,171,000 | 16,227,000 | 16,149,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 496,048,000 | 491,139,000 | 490,118,000 | 500,269,000 |
| Interest-bearing deposits | 426,129,000 | 426,343,000 | 422,841,000 | 421,032,000 |
| Noninterest-bearing deposits | 69,919,000 | 64,796,000 | 67,277,000 | 79,237,000 |
| Equity capital | 41,330,000 | 43,413,000 | 42,478,000 | 43,641,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 7,349,000 | 14,694,000 | 21,905,000 | 29,209,000 |
| Interest expense | 2,537,000 | 4,903,000 | 7,232,000 | 9,425,000 |
| Net interest income | 4,812,000 | 9,791,000 | 14,673,000 | 19,784,000 |
| Noninterest income | 1,607,000 | 3,266,000 | 5,068,000 | 6,818,000 |
| Noninterest expense | 4,424,000 | 8,980,000 | 13,635,000 | 18,506,000 |
| Provision for loan losses | 135,000 | 270,000 | 405,000 | 421,000 |
| Pretax income | 1,860,000 | 3,807,000 | 5,873,000 | 8,140,000 |
| Income tax | 559,000 | 1,157,000 | 1,802,000 | 2,524,000 |
| Net income | 1,301,000 | 2,650,000 | 4,071,000 | 5,616,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 37,827,000 | 38,776,000 | 40,197,000 | 41,516,000 |
| Total capital | 41,525,000 | 42,519,000 | 44,036,000 | 45,198,000 |
| Risk-weighted assets | 390,213,000 | 396,047,000 | 406,882,000 | 424,990,000 |