Call reports 2003
FLORIDA CITIZENS BANK — 2003
What FLORIDA CITIZENS BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 122,223,000 | 131,931,000 | 132,280,000 | 140,077,000 |
| Total loans | 77,351,000 | 79,643,000 | 81,905,000 | 88,744,000 |
| Allowance for loan losses | 848,000 | 903,000 | 934,000 | 964,000 |
| Securities available for sale | 27,819,000 | 31,884,000 | 31,894,000 | 35,049,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 111,926,000 | 121,401,000 | 122,021,000 | 129,588,000 |
| Interest-bearing deposits | 88,257,000 | 92,191,000 | 95,465,000 | 101,566,000 |
| Noninterest-bearing deposits | 23,669,000 | 29,210,000 | 26,556,000 | 28,022,000 |
| Equity capital | 9,747,000 | 9,983,000 | 9,592,000 | 9,908,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,578,000 | 3,110,000 | 4,620,000 | 6,155,000 |
| Interest expense | 548,000 | 1,067,000 | 1,542,000 | 2,040,000 |
| Net interest income | 1,030,000 | 2,043,000 | 3,078,000 | 4,115,000 |
| Noninterest income | 728,000 | 1,436,000 | 2,180,000 | 2,847,000 |
| Noninterest expense | 1,464,000 | 2,966,000 | 4,564,000 | 6,042,000 |
| Provision for loan losses | 54,000 | 111,000 | 141,000 | 171,000 |
| Pretax income | 240,000 | 402,000 | 556,000 | 752,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 240,000 | 402,000 | 556,000 | 752,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,601,000 | 9,763,000 | 9,917,000 | 10,113,000 |
| Total capital | 10,449,000 | 10,666,000 | 10,851,000 | 11,077,000 |
| Risk-weighted assets | 89,718,000 | 92,294,000 | 96,990,000 | 103,171,000 |