Call reports 2002
FLORIDA CITIZENS BANK — 2002
What FLORIDA CITIZENS BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 102,778,000 | 110,426,000 | 118,784,000 | 121,251,000 |
| Total loans | 65,056,000 | 70,322,000 | 76,615,000 | 81,830,000 |
| Allowance for loan losses | 601,000 | 603,000 | 730,000 | 793,000 |
| Securities available for sale | 22,144,000 | 25,807,000 | 29,558,000 | 26,239,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 92,221,000 | 99,433,000 | 107,652,000 | 107,977,000 |
| Interest-bearing deposits | 72,946,000 | 80,249,000 | 86,561,000 | 85,874,000 |
| Noninterest-bearing deposits | 19,275,000 | 19,184,000 | 21,091,000 | 22,103,000 |
| Equity capital | 8,140,000 | 8,543,000 | 8,645,000 | 9,689,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 1,371,000 | 2,846,000 | 4,453,000 | 6,071,000 |
| Interest expense | 650,000 | 1,301,000 | 1,960,000 | 2,569,000 |
| Net interest income | 721,000 | 1,545,000 | 2,493,000 | 3,502,000 |
| Noninterest income | 542,000 | 1,053,000 | 1,649,000 | 2,249,000 |
| Noninterest expense | 1,153,000 | 2,405,000 | 3,727,000 | 5,154,000 |
| Provision for loan losses | 63,000 | 103,000 | 230,000 | 319,000 |
| Pretax income | 50,000 | 104,000 | 217,000 | 310,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 50,000 | 104,000 | 217,000 | 310,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,145,000 | 8,198,000 | 8,312,000 | 9,361,000 |
| Total capital | 8,746,000 | 8,801,000 | 9,042,000 | 10,154,000 |
| Risk-weighted assets | 76,879,000 | 83,855,000 | 87,621,000 | 90,949,000 |