Call reports 2007
FIRST CITRUS BANK — 2007
What FIRST CITRUS BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 223,567,000 | 224,108,000 | 223,352,000 | 230,911,000 |
| Total loans | 176,506,000 | 180,878,000 | 183,577,000 | 188,119,000 |
| Allowance for loan losses | 1,936,000 | 2,100,000 | 2,145,000 | 2,209,000 |
| Securities available for sale | 22,014,000 | 21,334,000 | 21,290,000 | 20,736,000 |
| Securities held to maturity | 4,850,000 | 4,849,000 | 4,848,000 | 4,847,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 172,313,000 | 173,077,000 | 170,019,000 | 169,348,000 |
| Interest-bearing deposits | 145,528,000 | 146,926,000 | 146,039,000 | 148,527,000 |
| Noninterest-bearing deposits | 26,786,000 | 26,151,000 | 23,980,000 | 20,821,000 |
| Equity capital | 20,610,000 | 20,634,000 | 21,749,000 | 20,968,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 3,711,000 | 7,667,000 | 11,665,000 | 15,529,000 |
| Interest expense | 1,928,000 | 3,937,000 | 5,977,000 | 7,994,000 |
| Net interest income | 1,783,000 | 3,730,000 | 5,688,000 | 7,535,000 |
| Noninterest income | 114,000 | 224,000 | 342,000 | 449,000 |
| Noninterest expense | 1,270,000 | 2,614,000 | 3,980,000 | 5,419,000 |
| Provision for loan losses | 55,000 | 219,000 | 264,000 | 328,000 |
| Pretax income | 572,000 | 1,121,000 | 1,786,000 | 2,237,000 |
| Income tax | 207,000 | 406,000 | 651,000 | 814,000 |
| Net income | 365,000 | 715,000 | 1,135,000 | 1,423,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,751,000 | 20,929,000 | 21,862,000 | 20,918,000 |
| Total capital | 22,687,000 | 23,029,000 | 24,007,000 | 23,127,000 |
| Risk-weighted assets | 189,120,000 | 192,795,000 | 194,639,000 | 196,928,000 |