Call reports 2006
FIRST CITRUS BANK — 2006
What FIRST CITRUS BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 183,783,000 | 186,990,000 | 203,125,000 | 218,908,000 |
| Total loans | 143,792,000 | 151,469,000 | 164,748,000 | 173,145,000 |
| Allowance for loan losses | 1,678,000 | 1,762,000 | 1,861,000 | 1,881,000 |
| Securities available for sale | 13,563,000 | 13,144,000 | 15,925,000 | 21,618,000 |
| Securities held to maturity | 2,925,000 | 2,924,000 | 2,924,000 | 4,125,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 154,540,000 | 153,660,000 | 163,124,000 | 168,205,000 |
| Interest-bearing deposits | 123,055,000 | 124,775,000 | 133,894,000 | 138,873,000 |
| Noninterest-bearing deposits | 31,485,000 | 28,885,000 | 29,230,000 | 29,332,000 |
| Equity capital | 18,706,000 | 18,929,000 | 19,494,000 | 20,106,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 2,942,000 | 5,944,000 | 9,238,000 | 12,924,000 |
| Interest expense | 1,116,000 | 2,406,000 | 3,898,000 | 5,676,000 |
| Net interest income | 1,826,000 | 3,538,000 | 5,340,000 | 7,248,000 |
| Noninterest income | 181,000 | 289,000 | 396,000 | 623,000 |
| Noninterest expense | 1,333,000 | 2,643,000 | 3,849,000 | 5,067,000 |
| Provision for loan losses | 18,000 | 94,000 | 192,000 | 211,000 |
| Pretax income | 656,000 | 1,090,000 | 1,695,000 | 2,593,000 |
| Income tax | 241,000 | 396,000 | 621,000 | 951,000 |
| Net income | 415,000 | 694,000 | 1,074,000 | 1,642,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,998,000 | 19,277,000 | 19,681,000 | 20,284,000 |
| Total capital | 20,677,000 | 21,039,000 | 21,542,000 | 22,165,000 |
| Risk-weighted assets | 153,520,000 | 161,525,000 | 172,824,000 | 185,072,000 |