Call reports 2005
CITIZENS BANK - WAKULLA — 2005
What CITIZENS BANK - WAKULLA reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 62,688,000 | 72,527,000 | 74,444,000 | 72,758,000 |
| Total loans | 29,042,000 | 36,747,000 | 39,614,000 | 43,804,000 |
| Allowance for loan losses | 741,000 | 731,000 | 778,000 | 793,000 |
| Securities available for sale | 21,831,000 | 20,912,000 | 19,563,000 | 17,761,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 48,971,000 | 60,040,000 | 61,730,000 | 56,668,000 |
| Interest-bearing deposits | 42,965,000 | 53,446,000 | 55,091,000 | 51,608,000 |
| Noninterest-bearing deposits | 6,005,000 | 6,594,000 | 6,639,000 | 5,060,000 |
| Equity capital | 10,907,000 | 11,347,000 | 11,513,000 | 11,574,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 818,000 | 1,720,000 | 2,765,000 | 3,843,000 |
| Interest expense | 196,000 | 420,000 | 736,000 | 1,093,000 |
| Net interest income | 622,000 | 1,300,000 | 2,029,000 | 2,750,000 |
| Noninterest income | 210,000 | 378,000 | 569,000 | 746,000 |
| Noninterest expense | 562,000 | 1,030,000 | 1,534,000 | 1,963,000 |
| Provision for loan losses | 72,000 | 155,000 | 210,000 | 260,000 |
| Pretax income | 198,000 | 493,000 | 854,000 | 1,273,000 |
| Income tax | 94,000 | 186,000 | 322,000 | 535,000 |
| Net income | 104,000 | 307,000 | 532,000 | 738,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,230,000 | 4,548,000 | 4,817,000 | 5,066,000 |
| Total capital | 4,626,000 | 5,066,000 | 5,386,000 | 5,669,000 |
| Risk-weighted assets | 31,353,000 | 41,272,000 | 45,328,000 | 48,042,000 |