Call reports 2003
CITIZENS BANK - WAKULLA — 2003
What CITIZENS BANK - WAKULLA reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 53,747,000 | 54,342,000 | 54,033,000 | 54,803,000 |
| Total loans | 33,333,000 | 32,124,000 | 30,042,000 | 28,626,000 |
| Allowance for loan losses | 338,000 | 660,000 | 600,000 | 500,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 5,138,000 | 6,640,000 | 5,681,000 | 5,925,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 47,528,000 | 48,463,000 | 48,720,000 | 49,034,000 |
| Interest-bearing deposits | 42,264,000 | 42,478,000 | 42,612,000 | 43,127,000 |
| Noninterest-bearing deposits | 5,264,000 | 5,985,000 | 6,108,000 | 5,907,000 |
| Equity capital | 4,072,000 | 3,733,000 | 3,950,000 | 3,951,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 833,000 | 1,605,000 | 2,432,000 | 3,209,000 |
| Interest expense | 264,000 | 533,000 | 739,000 | 917,000 |
| Net interest income | 569,000 | 1,072,000 | 1,693,000 | 2,292,000 |
| Noninterest income | 202,000 | 372,000 | 523,000 | 675,000 |
| Noninterest expense | 597,000 | 1,169,000 | 1,728,000 | 2,189,000 |
| Provision for loan losses | 45,000 | 524,000 | 524,000 | 851,000 |
| Pretax income | 129,000 | -249,000 | -36,000 | -73,000 |
| Income tax | 38,000 | -1,000 | -5,000 | -43,000 |
| Net income | 91,000 | -248,000 | -31,000 | -30,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,072,000 | 3,733,000 | 3,950,000 | 3,951,000 |
| Total capital | 4,410,000 | 4,154,000 | 4,351,000 | 4,334,000 |
| Risk-weighted assets | 35,068,000 | 33,443,000 | 31,887,000 | 30,525,000 |