Call reports 2005
CITRUS AND CHEMICAL BANK — 2005
What CITRUS AND CHEMICAL BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 728,879,000 | 748,011,000 | 753,243,000 | 804,627,000 |
| Total loans | 353,675,000 | 373,300,000 | 388,684,000 | 401,900,000 |
| Allowance for loan losses | 4,033,000 | 4,161,000 | 4,177,000 | 4,317,000 |
| Securities available for sale | 281,440,000 | 272,311,000 | 268,759,000 | 284,004,000 |
| Securities held to maturity | 27,222,000 | 27,723,000 | 29,753,000 | 30,164,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 643,787,000 | 656,025,000 | 655,552,000 | 700,223,000 |
| Interest-bearing deposits | 529,197,000 | 533,598,000 | 576,263,000 | 618,235,000 |
| Noninterest-bearing deposits | 114,590,000 | 122,427,000 | 79,289,000 | 81,988,000 |
| Equity capital | 45,688,000 | 49,352,000 | 50,171,000 | 50,480,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 8,653,000 | 17,893,000 | 27,610,000 | 38,125,000 |
| Interest expense | 2,437,000 | 5,200,000 | 8,277,000 | 11,804,000 |
| Net interest income | 6,216,000 | 12,693,000 | 19,333,000 | 26,321,000 |
| Noninterest income | 1,763,000 | 3,762,000 | 5,792,000 | 7,757,000 |
| Noninterest expense | 5,326,000 | 10,981,000 | 16,379,000 | 21,858,000 |
| Provision for loan losses | 120,000 | 260,000 | 410,000 | 590,000 |
| Pretax income | 2,542,000 | 5,238,000 | 8,367,000 | 11,403,000 |
| Income tax | 790,000 | 1,627,000 | 2,585,000 | 3,524,000 |
| Net income | 1,752,000 | 3,611,000 | 5,782,000 | 7,879,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 47,488,000 | 49,623,000 | 51,404,000 | 52,997,000 |
| Total capital | 51,521,000 | 53,784,000 | 55,581,000 | 57,314,000 |
| Risk-weighted assets | 466,497,000 | 475,624,000 | 484,773,000 | 513,838,000 |