Call reports 2006
CITRUS AND CHEMICAL BANK — 2006
What CITRUS AND CHEMICAL BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 841,598,000 | 856,611,000 | 908,359,000 | 892,316,000 |
| Total loans | 421,534,000 | 435,710,000 | 463,347,000 | 482,206,000 |
| Allowance for loan losses | 4,464,000 | 4,637,000 | 4,729,000 | 4,871,000 |
| Securities available for sale | 321,072,000 | 313,802,000 | 314,872,000 | 296,938,000 |
| Securities held to maturity | 36,983,000 | 41,899,000 | 43,478,000 | 42,533,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 738,117,000 | 731,620,000 | 738,915,000 | 773,208,000 |
| Interest-bearing deposits | 649,752,000 | 647,227,000 | 669,187,000 | 696,590,000 |
| Noninterest-bearing deposits | 88,365,000 | 84,393,000 | 69,728,000 | 76,618,000 |
| Equity capital | 51,737,000 | 51,687,000 | 57,168,000 | 58,298,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 11,220,000 | 23,515,000 | 36,445,000 | 49,706,000 |
| Interest expense | 3,969,000 | 8,891,000 | 14,717,000 | 21,208,000 |
| Net interest income | 7,251,000 | 14,624,000 | 21,728,000 | 28,498,000 |
| Noninterest income | 2,023,000 | 4,092,000 | 6,081,000 | 8,045,000 |
| Noninterest expense | 5,863,000 | 11,823,000 | 17,612,000 | 23,521,000 |
| Provision for loan losses | 180,000 | 450,000 | 720,000 | 1,025,000 |
| Pretax income | 3,232,000 | 6,444,000 | 9,477,000 | 11,998,000 |
| Income tax | 973,000 | 1,959,000 | 2,875,000 | 3,635,000 |
| Net income | 2,259,000 | 4,485,000 | 6,602,000 | 8,363,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 54,935,000 | 57,239,000 | 59,054,000 | 59,929,000 |
| Total capital | 59,399,000 | 61,876,000 | 63,783,000 | 64,800,000 |
| Risk-weighted assets | 536,699,000 | 548,748,000 | 567,400,000 | 574,746,000 |