Call reports 2016
FIRST CITRUS BANK — 2016
What FIRST CITRUS BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 282,186,000 | 287,337,000 | 305,821,000 | 312,437,000 |
| Total loans | 223,206,000 | 235,524,000 | 236,405,000 | 253,158,000 |
| Allowance for loan losses | 2,161,000 | 2,283,000 | 2,300,000 | 2,312,000 |
| Securities available for sale | 865,000 | 808,000 | 766,000 | 705,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 226,020,000 | 236,831,000 | 248,342,000 | 249,739,000 |
| Interest-bearing deposits | 174,935,000 | 180,698,000 | 190,468,000 | 189,720,000 |
| Noninterest-bearing deposits | 51,085,000 | 56,133,000 | 57,874,000 | 60,019,000 |
| Equity capital | 25,243,000 | 25,451,000 | 26,000,000 | 26,476,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 2,780,000 | 5,660,000 | 8,618,000 | 11,668,000 |
| Interest expense | 335,000 | 684,000 | 1,015,000 | 1,363,000 |
| Net interest income | 2,445,000 | 4,976,000 | 7,603,000 | 10,305,000 |
| Noninterest income | 85,000 | 107,000 | 410,000 | 587,000 |
| Noninterest expense | 2,112,000 | 4,201,000 | 6,255,000 | 8,384,000 |
| Provision for loan losses | 30,000 | 184,000 | 217,000 | 217,000 |
| Pretax income | 388,000 | 698,000 | 1,541,000 | 2,291,000 |
| Income tax | 130,000 | 238,000 | 541,000 | 815,000 |
| Net income | 258,000 | 460,000 | 1,000,000 | 1,476,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,226,000 | 25,435,000 | 25,981,000 | 26,463,000 |
| Total capital | 27,417,000 | 27,763,000 | 28,341,000 | 28,840,000 |
| Risk-weighted assets | 237,452,000 | 245,902,000 | 267,239,000 | 275,902,000 |