Call reports 2019
FIRST CITRUS BANK — 2019
What FIRST CITRUS BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 395,322,000 | 395,582,000 | 416,037,000 | 418,324,000 |
| Total loans | 305,554,000 | 312,452,000 | 321,680,000 | 332,613,000 |
| Allowance for loan losses | 2,673,000 | 2,721,000 | 2,499,000 | 2,516,000 |
| Securities available for sale | 239,000 | 219,000 | 204,000 | 188,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 325,308,000 | 324,546,000 | 343,652,000 | 349,134,000 |
| Interest-bearing deposits | 253,018,000 | 253,794,000 | 266,308,000 | 277,979,000 |
| Noninterest-bearing deposits | 72,290,000 | 70,752,000 | 77,344,000 | 71,155,000 |
| Equity capital | 37,584,000 | 38,644,000 | 39,518,000 | 40,798,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 4,699,000 | 9,359,000 | 14,053,000 | 18,813,000 |
| Interest expense | 940,000 | 1,944,000 | 2,972,000 | 3,967,000 |
| Net interest income | 3,759,000 | 7,415,000 | 11,081,000 | 14,846,000 |
| Noninterest income | 353,000 | 756,000 | 1,098,000 | 1,722,000 |
| Noninterest expense | 2,617,000 | 5,266,000 | 8,052,000 | 10,828,000 |
| Provision for loan losses | 0 | 47,000 | 119,000 | 119,000 |
| Pretax income | 1,495,000 | 2,858,000 | 4,008,000 | 5,621,000 |
| Income tax | 376,000 | 708,000 | 1,015,000 | 1,377,000 |
| Net income | 1,119,000 | 2,150,000 | 2,993,000 | 4,244,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 37,579,000 | 38,639,000 | 39,512,000 | 40,792,000 |
| Total capital | 40,322,000 | 41,430,000 | 42,081,000 | 43,378,000 |
| Risk-weighted assets | 328,892,000 | 334,036,000 | 346,072,000 | 357,028,000 |