Call reports 2004
CITIZENS BANK - WAKULLA — 2004
What CITIZENS BANK - WAKULLA reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 59,001,000 | 58,696,000 | 58,851,000 | 69,894,000 |
| Total loans | 26,102,000 | 23,392,000 | 23,790,000 | 24,205,000 |
| Allowance for loan losses | 493,000 | 480,000 | 471,000 | 710,000 |
| Securities available for sale | 0 | 0 | 0 | 23,017,000 |
| Securities held to maturity | 10,150,000 | 26,188,000 | 25,139,000 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 53,655,000 | 53,204,000 | 53,595,000 | 57,800,000 |
| Interest-bearing deposits | 46,837,000 | 46,870,000 | 47,580,000 | 51,378,000 |
| Noninterest-bearing deposits | 6,818,000 | 6,334,000 | 6,015,000 | 6,422,000 |
| Equity capital | 4,033,000 | 4,145,000 | 4,232,000 | 10,988,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 715,000 | 1,474,000 | 2,259,000 | 256,000 |
| Interest expense | 182,000 | 377,000 | 562,000 | 59,000 |
| Net interest income | 533,000 | 1,097,000 | 1,697,000 | 197,000 |
| Noninterest income | 137,000 | 290,000 | 424,000 | 63,000 |
| Noninterest expense | 566,000 | 1,127,000 | 1,648,000 | 165,000 |
| Provision for loan losses | 0 | 0 | 0 | 59,000 |
| Pretax income | 104,000 | 260,000 | 473,000 | 36,000 |
| Income tax | 22,000 | 66,000 | 192,000 | 15,000 |
| Net income | 82,000 | 194,000 | 281,000 | 21,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,033,000 | 4,145,000 | 4,232,000 | 3,957,000 |
| Total capital | 4,403,000 | 4,501,000 | 4,597,000 | 4,426,000 |
| Risk-weighted assets | 29,487,000 | 28,358,000 | 29,121,000 | 37,242,000 |