Call reports 2013
FIRST CITRUS BANK — 2013
What FIRST CITRUS BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 212,968,000 | 218,182,000 | 216,315,000 | 231,007,000 |
| Total loans | 164,277,000 | 169,892,000 | 172,251,000 | 177,191,000 |
| Allowance for loan losses | 1,895,000 | 1,612,000 | 1,876,000 | 2,034,000 |
| Securities available for sale | 2,563,000 | 2,312,000 | 2,173,000 | 2,035,000 |
| Securities held to maturity | 4,832,000 | 4,832,000 | 4,151,000 | 4,151,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 169,579,000 | 174,630,000 | 172,584,000 | 187,306,000 |
| Interest-bearing deposits | 134,549,000 | 139,792,000 | 140,022,000 | 153,992,000 |
| Noninterest-bearing deposits | 35,030,000 | 34,838,000 | 32,561,000 | 33,313,000 |
| Equity capital | 23,196,000 | 23,232,000 | 23,233,000 | 23,377,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 2,367,000 | 4,719,000 | 7,118,000 | 9,516,000 |
| Interest expense | 399,000 | 767,000 | 1,090,000 | 1,414,000 |
| Net interest income | 1,968,000 | 3,952,000 | 6,028,000 | 8,102,000 |
| Noninterest income | 79,000 | 76,000 | -9,000 | 105,000 |
| Noninterest expense | 1,668,000 | 3,401,000 | 5,138,000 | 6,945,000 |
| Provision for loan losses | 167,000 | 326,000 | 596,000 | 738,000 |
| Pretax income | 212,000 | 301,000 | 285,000 | 524,000 |
| Income tax | 64,000 | 84,000 | 66,000 | 153,000 |
| Net income | 148,000 | 217,000 | 219,000 | 371,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,119,000 | 23,031,000 | 23,026,000 | 23,210,000 |
| Total capital | 25,014,000 | 24,643,000 | 24,902,000 | 25,244,000 |
| Risk-weighted assets | 175,463,000 | 180,419,000 | 182,440,000 | 187,300,000 |