Call reports 2004
CITRUS AND CHEMICAL BANK — 2004
What CITRUS AND CHEMICAL BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 645,320,000 | 654,246,000 | 669,392,000 | 710,250,000 |
| Total loans | 325,138,000 | 328,066,000 | 340,499,000 | 349,885,000 |
| Allowance for loan losses | 3,776,000 | 3,907,000 | 3,968,000 | 3,935,000 |
| Securities available for sale | 217,642,000 | 247,929,000 | 262,892,000 | 278,821,000 |
| Securities held to maturity | 16,056,000 | 15,942,000 | 15,262,000 | 14,712,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 538,629,000 | 554,549,000 | 568,601,000 | 622,701,000 |
| Interest-bearing deposits | 457,445,000 | 465,837,000 | 471,868,000 | 511,090,000 |
| Noninterest-bearing deposits | 81,184,000 | 88,712,000 | 96,733,000 | 111,611,000 |
| Equity capital | 45,597,000 | 42,230,000 | 46,677,000 | 46,446,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 7,293,000 | 14,727,000 | 22,523,000 | 30,769,000 |
| Interest expense | 2,092,000 | 4,302,000 | 6,542,000 | 8,810,000 |
| Net interest income | 5,201,000 | 10,425,000 | 15,981,000 | 21,959,000 |
| Noninterest income | 1,655,000 | 3,470,000 | 5,238,000 | 7,086,000 |
| Noninterest expense | 4,944,000 | 9,996,000 | 15,017,000 | 20,487,000 |
| Provision for loan losses | 150,000 | 270,000 | 370,000 | 432,000 |
| Pretax income | 1,777,000 | 3,770,000 | 6,016,000 | 8,401,000 |
| Income tax | 535,000 | 1,155,000 | 1,872,000 | 2,622,000 |
| Net income | 1,242,000 | 2,615,000 | 4,144,000 | 5,779,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 42,118,000 | 43,181,000 | 44,748,000 | 45,722,000 |
| Total capital | 45,894,000 | 47,088,000 | 48,716,000 | 49,657,000 |
| Risk-weighted assets | 426,832,000 | 429,134,000 | 433,530,000 | 453,704,000 |