Call reports 2007
FLORIDA CITIZENS BANK — 2007
What FLORIDA CITIZENS BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 259,455,000 | 263,124,000 | 273,234,000 | 266,863,000 |
| Total loans | 171,660,000 | 175,660,000 | 173,171,000 | 169,869,000 |
| Allowance for loan losses | 2,194,000 | 2,082,000 | 2,079,000 | 2,105,000 |
| Securities available for sale | 59,358,000 | 65,650,000 | 79,820,000 | 69,846,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 240,017,000 | 242,237,000 | 240,578,000 | 242,375,000 |
| Interest-bearing deposits | 193,650,000 | 196,486,000 | 195,470,000 | 196,029,000 |
| Noninterest-bearing deposits | 46,367,000 | 45,751,000 | 45,108,000 | 46,346,000 |
| Equity capital | 18,193,000 | 18,784,000 | 20,464,000 | 22,008,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 4,038,000 | 8,436,000 | 12,826,000 | 17,161,000 |
| Interest expense | 1,942,000 | 4,132,000 | 6,304,000 | 8,417,000 |
| Net interest income | 2,096,000 | 4,304,000 | 6,522,000 | 8,744,000 |
| Noninterest income | 699,000 | 1,420,000 | 2,204,000 | 2,962,000 |
| Noninterest expense | 1,863,000 | 3,692,000 | 5,637,000 | 7,585,000 |
| Provision for loan losses | 90,000 | 228,000 | 228,000 | 263,000 |
| Pretax income | 842,000 | 1,804,000 | 2,888,000 | 3,895,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 842,000 | 1,804,000 | 2,888,000 | 3,895,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,516,000 | 19,488,000 | 20,581,000 | 21,597,000 |
| Total capital | 20,710,000 | 21,570,000 | 22,660,000 | 23,702,000 |
| Risk-weighted assets | 191,625,000 | 195,216,000 | 196,478,000 | 191,571,000 |