Call reports 2010
FIRST CITRUS BANK — 2010
What FIRST CITRUS BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 240,230,000 | 250,071,000 | 255,400,000 | 247,117,000 |
| Total loans | 182,329,000 | 182,850,000 | 174,382,000 | 168,747,000 |
| Allowance for loan losses | 2,534,000 | 2,599,000 | 2,632,000 | 2,751,000 |
| Securities available for sale | 7,455,000 | 6,434,000 | 6,122,000 | 6,218,000 |
| Securities held to maturity | 4,840,000 | 4,839,000 | 4,838,000 | 4,837,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 188,824,000 | 197,779,000 | 203,090,000 | 195,055,000 |
| Interest-bearing deposits | 164,518,000 | 170,913,000 | 177,427,000 | 167,431,000 |
| Noninterest-bearing deposits | 24,306,000 | 26,866,000 | 25,663,000 | 27,624,000 |
| Equity capital | 20,967,000 | 21,780,000 | 21,880,000 | 21,871,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 2,899,000 | 5,950,000 | 8,901,000 | 11,648,000 |
| Interest expense | 1,068,000 | 2,147,000 | 3,222,000 | 4,215,000 |
| Net interest income | 1,831,000 | 3,803,000 | 5,679,000 | 7,433,000 |
| Noninterest income | 108,000 | 259,000 | 972,000 | 1,187,000 |
| Noninterest expense | 1,455,000 | 2,923,000 | 4,568,000 | 6,309,000 |
| Provision for loan losses | 240,000 | 670,000 | 1,459,000 | 1,659,000 |
| Pretax income | 244,000 | 469,000 | 624,000 | 652,000 |
| Income tax | 88,000 | 148,000 | 193,000 | 185,000 |
| Net income | 156,000 | 321,000 | 431,000 | 467,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,799,000 | 21,336,000 | 21,435,000 | 21,439,000 |
| Total capital | 23,215,000 | 23,752,000 | 23,739,000 | 23,669,000 |
| Risk-weighted assets | 195,448,000 | 193,092,000 | 183,998,000 | 177,869,000 |