Call reports 2003
FIRST CITRUS BANK — 2003
What FIRST CITRUS BANK 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 | 88,872,000 | 99,741,000 | 102,462,000 | 120,400,000 |
| Total loans | 64,387,000 | 71,582,000 | 79,904,000 | 87,019,000 |
| Allowance for loan losses | 788,000 | 837,000 | 896,000 | 966,000 |
| Securities available for sale | 17,639,000 | 13,449,000 | 13,636,000 | 13,693,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 76,956,000 | 80,185,000 | 84,257,000 | 100,843,000 |
| Interest-bearing deposits | 60,857,000 | 67,265,000 | 68,917,000 | 81,594,000 |
| Noninterest-bearing deposits | 16,099,000 | 12,920,000 | 15,340,000 | 19,250,000 |
| Equity capital | 8,442,000 | 8,504,000 | 9,699,000 | 15,769,000 |
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 | 1,361,000 | 2,744,000 | 4,167,000 | 5,738,000 |
| Interest expense | 449,000 | 888,000 | 1,314,000 | 1,782,000 |
| Net interest income | 912,000 | 1,856,000 | 2,853,000 | 3,956,000 |
| Noninterest income | 81,000 | 170,000 | 262,000 | 344,000 |
| Noninterest expense | 814,000 | 1,599,000 | 2,381,000 | 3,230,000 |
| Provision for loan losses | 25,000 | 106,000 | 165,000 | 234,000 |
| Pretax income | 154,000 | 326,000 | 598,000 | 921,000 |
| Income tax | 61,000 | 125,000 | 232,000 | 355,000 |
| Net income | 93,000 | 201,000 | 366,000 | 566,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,172,000 | 8,279,000 | 9,620,000 | 15,744,000 |
| Total capital | 8,960,000 | 9,116,000 | 10,516,000 | 16,710,000 |
| Risk-weighted assets | 69,394,000 | 76,596,000 | 83,254,000 | 93,401,000 |