Call reports 2004
FIRST CITRUS BANK — 2004
What FIRST CITRUS BANK 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 | 126,278,000 | 130,218,000 | 135,188,000 | 144,024,000 |
| Total loans | 96,438,000 | 105,502,000 | 110,387,000 | 117,038,000 |
| Allowance for loan losses | 1,118,000 | 1,218,000 | 1,272,000 | 1,391,000 |
| Securities available for sale | 13,390,000 | 15,137,000 | 13,895,000 | 15,279,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 109,542,000 | 111,981,000 | 116,259,000 | 124,847,000 |
| Interest-bearing deposits | 85,976,000 | 94,639,000 | 97,190,000 | 102,885,000 |
| Noninterest-bearing deposits | 23,566,000 | 17,342,000 | 19,069,000 | 21,961,000 |
| Equity capital | 16,328,000 | 16,276,000 | 16,739,000 | 16,934,000 |
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 | 1,661,000 | 3,462,000 | 5,430,000 | 7,504,000 |
| Interest expense | 501,000 | 1,003,000 | 1,539,000 | 2,142,000 |
| Net interest income | 1,160,000 | 2,459,000 | 3,891,000 | 5,362,000 |
| Noninterest income | 87,000 | 177,000 | 264,000 | 348,000 |
| Noninterest expense | 1,016,000 | 1,952,000 | 2,917,000 | 3,907,000 |
| Provision for loan losses | 151,000 | 275,000 | 358,000 | 478,000 |
| Pretax income | 80,000 | 409,000 | 880,000 | 1,325,000 |
| Income tax | 39,000 | 159,000 | 341,000 | 505,000 |
| Net income | 41,000 | 250,000 | 539,000 | 820,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,195,000 | 16,404,000 | 16,693,000 | 16,975,000 |
| Total capital | 17,313,000 | 17,622,000 | 17,965,000 | 18,366,000 |
| Risk-weighted assets | 102,251,000 | 111,218,000 | 115,420,000 | 123,233,000 |