Call reports 2002
CITIZENS BANK - WAKULLA — 2002
What CITIZENS BANK - WAKULLA reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 48,977,000 | 49,285,000 | 49,838,000 | 54,518,000 |
| Total loans | 35,431,000 | 35,761,000 | 35,791,000 | 35,394,000 |
| Allowance for loan losses | 449,000 | 494,000 | 519,000 | 446,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 5,755,000 | 5,149,000 | 4,919,000 | 4,793,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 44,615,000 | 44,961,000 | 43,052,000 | 47,805,000 |
| Interest-bearing deposits | 39,945,000 | 39,625,000 | 37,757,000 | 42,734,000 |
| Noninterest-bearing deposits | 4,670,000 | 5,336,000 | 5,295,000 | 5,071,000 |
| Equity capital | 3,633,000 | 3,789,000 | 3,914,000 | 3,981,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 981,000 | 1,913,000 | 2,750,000 | 3,676,000 |
| Interest expense | 310,000 | 584,000 | 834,000 | 1,098,000 |
| Net interest income | 671,000 | 1,329,000 | 1,916,000 | 2,578,000 |
| Noninterest income | 162,000 | 325,000 | 494,000 | 654,000 |
| Noninterest expense | 542,000 | 1,064,000 | 1,593,000 | 2,199,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 165,000 |
| Pretax income | 246,000 | 500,000 | 682,000 | 868,000 |
| Income tax | 67,000 | 165,000 | 222,000 | 341,000 |
| Net income | 179,000 | 335,000 | 460,000 | 527,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,633,000 | 3,789,000 | 3,914,000 | 3,981,000 |
| Total capital | 4,054,000 | 4,216,000 | 4,350,000 | 4,419,000 |
| Risk-weighted assets | 33,619,000 | 34,130,000 | 34,836,000 | 35,002,000 |