Call reports 2004
FLORIDA CITIZENS BANK — 2004
What FLORIDA CITIZENS BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 144,392,000 | 145,367,000 | 154,994,000 | 164,540,000 |
| Total loans | 93,173,000 | 101,474,000 | 102,770,000 | 107,232,000 |
| Allowance for loan losses | 923,000 | 978,000 | 1,198,000 | 1,227,000 |
| Securities available for sale | 26,384,000 | 26,797,000 | 28,235,000 | 37,792,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 132,899,000 | 134,120,000 | 143,100,000 | 152,522,000 |
| Interest-bearing deposits | 101,800,000 | 101,264,000 | 109,685,000 | 115,446,000 |
| Noninterest-bearing deposits | 31,099,000 | 32,856,000 | 33,415,000 | 37,076,000 |
| Equity capital | 10,989,000 | 10,720,000 | 11,310,000 | 11,520,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,596,000 | 3,277,000 | 5,045,000 | 6,934,000 |
| Interest expense | 502,000 | 1,001,000 | 1,543,000 | 2,150,000 |
| Net interest income | 1,094,000 | 2,276,000 | 3,502,000 | 4,784,000 |
| Noninterest income | 732,000 | 1,421,000 | 2,129,000 | 2,801,000 |
| Noninterest expense | 1,473,000 | 2,949,000 | 4,522,000 | 6,098,000 |
| Provision for loan losses | 39,000 | 100,000 | 324,000 | 360,000 |
| Pretax income | 271,000 | 605,000 | 742,000 | 1,084,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 271,000 | 605,000 | 742,000 | 1,084,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,884,000 | 11,218,000 | 11,356,000 | 11,697,000 |
| Total capital | 11,807,000 | 12,196,000 | 12,554,000 | 12,924,000 |
| Risk-weighted assets | 108,557,000 | 116,511,000 | 118,596,000 | 126,731,000 |