Call reports 2014
FIRST CITRUS BANK — 2014
What FIRST CITRUS BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 228,698,000 | 234,351,000 | 248,195,000 | 241,837,000 |
| Total loans | 187,061,000 | 193,783,000 | 202,749,000 | 203,540,000 |
| Allowance for loan losses | 2,055,000 | 1,954,000 | 2,081,000 | 2,069,000 |
| Securities available for sale | 2,959,000 | 3,892,000 | 1,726,000 | 1,647,000 |
| Securities held to maturity | 4,150,000 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 184,851,000 | 185,142,000 | 193,561,000 | 187,103,000 |
| Interest-bearing deposits | 149,799,000 | 148,449,000 | 152,304,000 | 148,536,000 |
| Noninterest-bearing deposits | 35,052,000 | 36,693,000 | 41,257,000 | 38,567,000 |
| Equity capital | 23,521,000 | 23,570,000 | 23,714,000 | 23,947,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 2,413,000 | 4,943,000 | 7,571,000 | 10,269,000 |
| Interest expense | 313,000 | 618,000 | 919,000 | 1,223,000 |
| Net interest income | 2,100,000 | 4,325,000 | 6,652,000 | 9,046,000 |
| Noninterest income | 68,000 | 231,000 | 210,000 | 140,000 |
| Noninterest expense | 1,827,000 | 3,648,000 | 5,603,000 | 7,430,000 |
| Provision for loan losses | 135,000 | 637,000 | 744,000 | 854,000 |
| Pretax income | 206,000 | 374,000 | 657,000 | 1,044,000 |
| Income tax | 62,000 | 126,000 | 234,000 | 382,000 |
| Net income | 144,000 | 248,000 | 423,000 | 662,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,390,000 | 23,465,000 | 23,672,000 | 23,924,000 |
| Total capital | 25,445,000 | 25,419,000 | 25,753,000 | 25,993,000 |
| Risk-weighted assets | 195,965,000 | 201,970,000 | 211,943,000 | 211,006,000 |