Call reports 2006
FLORIDA CITIZENS BANK — 2006
What FLORIDA CITIZENS BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 211,223,000 | 220,760,000 | 220,969,000 | 225,170,000 |
| Total loans | 150,242,000 | 161,106,000 | 159,664,000 | 165,493,000 |
| Allowance for loan losses | 1,835,000 | 1,904,000 | 1,979,000 | 2,118,000 |
| Securities available for sale | 30,671,000 | 32,037,000 | 40,990,000 | 45,428,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 194,857,000 | 203,404,000 | 202,395,000 | 204,999,000 |
| Interest-bearing deposits | 148,694,000 | 155,919,000 | 155,209,000 | 161,950,000 |
| Noninterest-bearing deposits | 46,163,000 | 47,485,000 | 47,186,000 | 43,049,000 |
| Equity capital | 15,562,000 | 16,364,000 | 17,494,000 | 18,294,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 3,064,000 | 6,457,000 | 10,120,000 | 13,880,000 |
| Interest expense | 1,211,000 | 2,636,000 | 4,297,000 | 6,021,000 |
| Net interest income | 1,853,000 | 3,821,000 | 5,823,000 | 7,859,000 |
| Noninterest income | 659,000 | 1,404,000 | 2,066,000 | 2,785,000 |
| Noninterest expense | 1,678,000 | 3,391,000 | 5,156,000 | 7,010,000 |
| Provision for loan losses | 210,000 | 278,000 | 353,000 | 575,000 |
| Pretax income | 630,000 | 1,562,000 | 2,386,000 | 3,065,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 630,000 | 1,562,000 | 2,386,000 | 3,065,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,230,000 | 17,162,000 | 17,987,000 | 18,665,000 |
| Total capital | 18,065,000 | 19,066,000 | 19,966,000 | 20,783,000 |
| Risk-weighted assets | 164,834,000 | 177,169,000 | 175,979,000 | 178,901,000 |