Call reports 2012
FIRST CITRUS BANK — 2012
What FIRST CITRUS BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 206,755,000 | 203,603,000 | 205,334,000 | 216,990,000 |
| Total loans | 161,458,000 | 160,838,000 | 161,715,000 | 165,069,000 |
| Allowance for loan losses | 1,948,000 | 1,914,000 | 1,721,000 | 1,734,000 |
| Securities available for sale | 3,847,000 | 3,636,000 | 3,479,000 | 3,258,000 |
| Securities held to maturity | 4,835,000 | 4,834,000 | 4,834,000 | 4,833,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 164,055,000 | 160,521,000 | 161,769,000 | 173,721,000 |
| Interest-bearing deposits | 132,925,000 | 130,849,000 | 130,562,000 | 139,855,000 |
| Noninterest-bearing deposits | 31,130,000 | 29,671,000 | 31,207,000 | 33,866,000 |
| Equity capital | 22,528,000 | 22,735,000 | 22,986,000 | 23,055,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 2,385,000 | 4,798,000 | 7,291,000 | 9,625,000 |
| Interest expense | 490,000 | 928,000 | 1,356,000 | 1,775,000 |
| Net interest income | 1,895,000 | 3,870,000 | 5,935,000 | 7,850,000 |
| Noninterest income | 2,000 | -123,000 | -242,000 | -374,000 |
| Noninterest expense | 1,478,000 | 2,940,000 | 4,451,000 | 6,063,000 |
| Provision for loan losses | 50,000 | 120,000 | 190,000 | 235,000 |
| Pretax income | 369,000 | 687,000 | 1,052,000 | 1,178,000 |
| Income tax | 123,000 | 227,000 | 351,000 | 389,000 |
| Net income | 246,000 | 460,000 | 701,000 | 789,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,232,000 | 22,448,000 | 22,769,000 | 22,970,000 |
| Total capital | 24,180,000 | 24,362,000 | 24,490,000 | 24,704,000 |
| Risk-weighted assets | 170,755,000 | 170,147,000 | 171,735,000 | 175,004,000 |