Call reports 2005
FLORIDA CITIZENS BANK — 2005
What FLORIDA CITIZENS BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 170,089,000 | 186,029,000 | 192,263,000 | 196,842,000 |
| Total loans | 114,075,000 | 125,957,000 | 135,138,000 | 148,554,000 |
| Allowance for loan losses | 1,255,000 | 1,290,000 | 1,403,000 | 1,619,000 |
| Securities available for sale | 37,125,000 | 32,390,000 | 34,133,000 | 28,788,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 157,424,000 | 172,452,000 | 176,750,000 | 181,154,000 |
| Interest-bearing deposits | 118,518,000 | 126,092,000 | 132,345,000 | 136,765,000 |
| Noninterest-bearing deposits | 38,906,000 | 46,360,000 | 44,405,000 | 44,389,000 |
| Equity capital | 12,067,000 | 12,810,000 | 14,662,000 | 14,969,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,992,000 | 4,258,000 | 6,859,000 | 9,715,000 |
| Interest expense | 634,000 | 1,411,000 | 2,335,000 | 3,411,000 |
| Net interest income | 1,358,000 | 2,847,000 | 4,524,000 | 6,304,000 |
| Noninterest income | 643,000 | 1,337,000 | 2,117,000 | 2,766,000 |
| Noninterest expense | 1,539,000 | 3,170,000 | 4,884,000 | 6,543,000 |
| Provision for loan losses | 36,000 | 72,000 | 186,000 | 422,000 |
| Pretax income | 426,000 | 934,000 | 1,563,000 | 2,104,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 426,000 | 934,000 | 1,563,000 | 2,104,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,623,000 | 13,131,000 | 15,059,000 | 15,600,000 |
| Total capital | 13,878,000 | 14,421,000 | 16,462,000 | 17,219,000 |
| Risk-weighted assets | 131,220,000 | 144,720,000 | 155,082,000 | 161,207,000 |