Call reports 2005
FIRST CITRUS BANK — 2005
What FIRST CITRUS BANK 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 | 149,649,000 | 161,426,000 | 160,557,000 | 175,926,000 |
| Total loans | 121,911,000 | 121,037,000 | 121,333,000 | 138,771,000 |
| Allowance for loan losses | 1,488,000 | 1,492,000 | 1,492,000 | 1,662,000 |
| Securities available for sale | 14,631,000 | 14,337,000 | 14,526,000 | 13,947,000 |
| Securities held to maturity | 0 | 0 | 1,594,000 | 2,925,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 130,600,000 | 143,707,000 | 142,249,000 | 147,259,000 |
| Interest-bearing deposits | 104,404,000 | 118,071,000 | 113,193,000 | 118,138,000 |
| Noninterest-bearing deposits | 26,196,000 | 25,636,000 | 29,056,000 | 29,121,000 |
| Equity capital | 16,988,000 | 17,475,000 | 17,880,000 | 18,360,000 |
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 | 2,173,000 | 4,460,000 | 6,779,000 | 9,361,000 |
| Interest expense | 646,000 | 1,363,000 | 2,137,000 | 2,914,000 |
| Net interest income | 1,527,000 | 3,097,000 | 4,642,000 | 6,447,000 |
| Noninterest income | 80,000 | 166,000 | 273,000 | 387,000 |
| Noninterest expense | 1,182,000 | 2,230,000 | 3,096,000 | 4,281,000 |
| Provision for loan losses | 101,000 | 101,000 | 101,000 | 270,000 |
| Pretax income | 324,000 | 932,000 | 1,718,000 | 2,283,000 |
| Income tax | 123,000 | 354,000 | 652,000 | 863,000 |
| Net income | 201,000 | 578,000 | 1,066,000 | 1,420,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,176,000 | 17,552,000 | 18,040,000 | 18,598,000 |
| Total capital | 18,664,000 | 19,044,000 | 19,532,000 | 20,260,000 |
| Risk-weighted assets | 128,375,000 | 129,940,000 | 132,885,000 | 147,242,000 |