Call reports 2007
CITRUS AND CHEMICAL BANK — 2007
What CITRUS AND CHEMICAL BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 |
|---|---|---|---|
| Total assets | 875,549,000 | 876,334,000 | 868,266,000 |
| Total loans | 502,439,000 | 519,376,000 | 527,413,000 |
| Allowance for loan losses | 5,052,000 | 5,327,000 | 5,492,000 |
| Securities available for sale | 276,659,000 | 253,372,000 | 240,912,000 |
| Securities held to maturity | 42,546,000 | 42,487,000 | 44,197,000 |
| Trading assets | 0 | 0 | 0 |
| Total deposits | 751,471,000 | 728,395,000 | 690,288,000 |
| Interest-bearing deposits | 680,741,000 | 661,139,000 | 636,027,000 |
| Noninterest-bearing deposits | 70,730,000 | 67,256,000 | 54,261,000 |
| Equity capital | 60,908,000 | 60,374,000 | 63,938,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 |
|---|---|---|---|
| Interest income | 13,325,000 | 26,667,000 | 40,734,000 |
| Interest expense | 6,352,000 | 12,590,000 | 19,326,000 |
| Net interest income | 6,973,000 | 14,077,000 | 21,408,000 |
| Noninterest income | 1,882,000 | 4,428,000 | 6,333,000 |
| Noninterest expense | 5,931,000 | 11,898,000 | 18,753,000 |
| Provision for loan losses | 270,000 | 540,000 | 810,000 |
| Pretax income | 2,658,000 | 6,075,000 | 8,616,000 |
| Income tax | 798,000 | 1,640,000 | 2,401,000 |
| Net income | 1,860,000 | 4,435,000 | 6,215,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 |
|---|---|---|---|
| Tier 1 capital | 61,459,000 | 63,692,000 | 65,174,000 |
| Total capital | 66,511,000 | 69,019,000 | 70,666,000 |
| Risk-weighted assets | 584,896,000 | 617,375,000 | 614,291,000 |