Call reports 2020
FIRST CITRUS BANK — 2020
What FIRST CITRUS BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 436,725,000 | 549,470,000 | 565,616,000 | 528,634,000 |
| Total loans | 339,042,000 | 435,142,000 | 438,745,000 | 431,621,000 |
| Allowance for loan losses | 2,579,000 | 2,688,000 | 2,585,000 | 2,872,000 |
| Securities available for sale | 172,000 | 159,000 | 140,000 | 375,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 387,647,000 | 474,690,000 | 472,471,000 | 479,979,000 |
| Interest-bearing deposits | 306,070,000 | 320,864,000 | 322,445,000 | 322,554,000 |
| Noninterest-bearing deposits | 81,577,000 | 153,826,000 | 150,026,000 | 157,425,000 |
| Equity capital | 41,726,000 | 43,114,000 | 44,485,000 | 46,022,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 4,632,000 | 9,357,000 | 14,560,000 | 19,968,000 |
| Interest expense | 882,000 | 1,483,000 | 2,019,000 | 2,479,000 |
| Net interest income | 3,750,000 | 7,874,000 | 12,541,000 | 17,489,000 |
| Noninterest income | 460,000 | 864,000 | 1,272,000 | 2,059,000 |
| Noninterest expense | 2,930,000 | 5,540,000 | 8,551,000 | 11,950,000 |
| Provision for loan losses | 75,000 | 184,000 | 484,000 | 784,000 |
| Pretax income | 1,205,000 | 3,014,000 | 4,778,000 | 6,814,000 |
| Income tax | 292,000 | 729,000 | 1,137,000 | 1,650,000 |
| Net income | 913,000 | 2,285,000 | 3,641,000 | 5,164,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 41,719,000 | 43,107,000 | 44,479,000 | 46,016,000 |
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