Call reports 2015
FIRST CITRUS BANK — 2015
What FIRST CITRUS BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 251,760,000 | 253,565,000 | 263,603,000 | 266,105,000 |
| Total loans | 198,054,000 | 208,985,000 | 213,514,000 | 222,540,000 |
| Allowance for loan losses | 2,104,000 | 2,095,000 | 2,168,000 | 2,191,000 |
| Securities available for sale | 1,575,000 | 1,528,000 | 967,000 | 902,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 196,773,000 | 198,187,000 | 207,746,000 | 210,271,000 |
| Interest-bearing deposits | 154,205,000 | 154,411,000 | 159,021,000 | 163,623,000 |
| Noninterest-bearing deposits | 42,568,000 | 43,776,000 | 48,725,000 | 46,648,000 |
| Equity capital | 24,175,000 | 24,455,000 | 24,731,000 | 24,980,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 2,634,000 | 5,294,000 | 7,991,000 | 10,732,000 |
| Interest expense | 297,000 | 593,000 | 896,000 | 1,220,000 |
| Net interest income | 2,337,000 | 4,701,000 | 7,095,000 | 9,512,000 |
| Noninterest income | 49,000 | 121,000 | 211,000 | 255,000 |
| Noninterest expense | 1,983,000 | 3,925,000 | 5,899,000 | 7,980,000 |
| Provision for loan losses | 40,000 | 90,000 | 110,000 | 136,000 |
| Pretax income | 363,000 | 807,000 | 1,246,000 | 1,651,000 |
| Income tax | 138,000 | 322,000 | 485,000 | 642,000 |
| Net income | 225,000 | 485,000 | 761,000 | 1,009,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,115,000 | 24,394,000 | 24,679,000 | 24,963,000 |
| Total capital | 26,219,000 | 26,489,000 | 26,847,000 | 27,154,000 |
| Risk-weighted assets | 204,679,000 | 215,464,000 | 221,411,000 | 228,865,000 |