Call reports 2008
FIRST CITRUS BANK — 2008
What FIRST CITRUS BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 229,172,000 | 222,484,000 | 232,463,000 | 233,740,000 |
| Total loans | 185,472,000 | 183,082,000 | 190,940,000 | 191,796,000 |
| Allowance for loan losses | 2,209,000 | 2,224,000 | 2,551,000 | 3,164,000 |
| Securities available for sale | 20,641,000 | 19,976,000 | 15,063,000 | 17,546,000 |
| Securities held to maturity | 4,847,000 | 4,846,000 | 4,845,000 | 4,844,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 174,507,000 | 159,216,000 | 180,683,000 | 182,324,000 |
| Interest-bearing deposits | 152,024,000 | 136,722,000 | 156,712,000 | 160,983,000 |
| Noninterest-bearing deposits | 22,484,000 | 22,494,000 | 23,971,000 | 21,341,000 |
| Equity capital | 21,549,000 | 21,711,000 | 21,459,000 | 21,055,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 3,800,000 | 7,358,000 | 10,807,000 | 14,099,000 |
| Interest expense | 1,823,000 | 3,377,000 | 4,895,000 | 6,498,000 |
| Net interest income | 1,977,000 | 3,981,000 | 5,912,000 | 7,601,000 |
| Noninterest income | 127,000 | 267,000 | 347,000 | 474,000 |
| Noninterest expense | 1,488,000 | 3,031,000 | 4,675,000 | 6,565,000 |
| Provision for loan losses | 0 | 15,000 | 342,000 | 1,282,000 |
| Pretax income | 616,000 | 1,202,000 | 1,242,000 | 228,000 |
| Income tax | 224,000 | 438,000 | 453,000 | 65,000 |
| Net income | 392,000 | 764,000 | 789,000 | 163,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,315,000 | 21,620,000 | 21,401,000 | 20,789,000 |
| Total capital | 23,524,000 | 23,844,000 | 23,908,000 | 23,323,000 |
| Risk-weighted assets | 197,164,000 | 194,498,000 | 202,271,000 | 201,950,000 |