Call reports 2002
FIRST CITRUS BANK — 2002
What FIRST CITRUS BANK 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 | 71,653,000 | 73,386,000 | 84,853,000 | 90,598,000 |
| Total loans | 47,527,000 | 50,800,000 | 58,718,000 | 63,409,000 |
| Allowance for loan losses | 620,000 | 620,000 | 707,000 | 762,000 |
| Securities available for sale | 18,273,000 | 18,112,000 | 19,371,000 | 14,806,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 61,160,000 | 62,081,000 | 73,256,000 | 76,697,000 |
| Interest-bearing deposits | 48,079,000 | 49,462,000 | 55,657,000 | 58,933,000 |
| Noninterest-bearing deposits | 13,081,000 | 12,619,000 | 17,599,000 | 17,765,000 |
| Equity capital | 7,515,000 | 7,949,000 | 8,268,000 | 8,418,000 |
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 | 1,143,000 | 2,359,000 | 3,645,000 | 5,014,000 |
| Interest expense | 449,000 | 889,000 | 1,351,000 | 1,791,000 |
| Net interest income | 694,000 | 1,470,000 | 2,294,000 | 3,223,000 |
| Noninterest income | 93,000 | 189,000 | 288,000 | 379,000 |
| Noninterest expense | 683,000 | 1,360,000 | 2,058,000 | 2,812,000 |
| Provision for loan losses | 74,000 | 74,000 | 160,000 | 224,000 |
| Pretax income | 30,000 | 225,000 | 364,000 | 670,000 |
| Income tax | 13,000 | 92,000 | 145,000 | 266,000 |
| Net income | 17,000 | 133,000 | 219,000 | 404,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,453,000 | 7,807,000 | 7,893,000 | 8,079,000 |
| Total capital | 8,073,000 | 8,427,000 | 8,600,000 | 8,841,000 |
| Risk-weighted assets | 52,587,000 | 56,010,000 | 64,295,000 | 69,337,000 |