Call reports 2009
FIRST CITRUS BANK — 2009
What FIRST CITRUS BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 254,104,000 | 255,891,000 | 251,957,000 | 236,996,000 |
| Total loans | 196,867,000 | 193,679,000 | 187,444,000 | 182,609,000 |
| Allowance for loan losses | 3,374,000 | 2,860,000 | 2,587,000 | 2,439,000 |
| Securities available for sale | 13,593,000 | 13,991,000 | 10,170,000 | 8,542,000 |
| Securities held to maturity | 4,843,000 | 4,843,000 | 4,842,000 | 4,841,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 202,734,000 | 204,717,000 | 200,697,000 | 185,805,000 |
| Interest-bearing deposits | 179,932,000 | 183,153,000 | 174,486,000 | 161,159,000 |
| Noninterest-bearing deposits | 22,803,000 | 21,564,000 | 26,211,000 | 24,646,000 |
| Equity capital | 20,996,000 | 20,814,000 | 20,767,000 | 20,792,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 3,200,000 | 6,395,000 | 9,436,000 | 12,398,000 |
| Interest expense | 1,590,000 | 3,159,000 | 4,650,000 | 5,941,000 |
| Net interest income | 1,610,000 | 3,236,000 | 4,786,000 | 6,457,000 |
| Noninterest income | 101,000 | 199,000 | 290,000 | -998,000 |
| Noninterest expense | 1,609,000 | 3,323,000 | 5,044,000 | 6,877,000 |
| Provision for loan losses | 210,000 | 392,000 | 452,000 | 1,362,000 |
| Pretax income | -108,000 | -280,000 | -185,000 | -2,540,000 |
| Income tax | -48,000 | -119,000 | -89,000 | -1,009,000 |
| Net income | -60,000 | -161,000 | -96,000 | -1,531,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,728,000 | 20,627,000 | 20,692,000 | 20,757,000 |
| Total capital | 23,327,000 | 23,226,000 | 23,173,000 | 23,196,000 |
| Risk-weighted assets | 208,236,000 | 207,266,000 | 199,209,000 | 197,324,000 |