Call reports 2008
FLORIDA CITIZENS BANK — 2008
What FLORIDA CITIZENS BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 276,980,000 | 265,769,000 | 262,686,000 | 273,880,000 |
| Total loans | 177,538,000 | 177,062,000 | 193,347,000 | 200,214,000 |
| Allowance for loan losses | 2,134,000 | 2,153,000 | 2,190,000 | 2,235,000 |
| Securities available for sale | 78,082,000 | 63,998,000 | 50,234,000 | 51,072,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 247,182,000 | 240,793,000 | 234,345,000 | 243,767,000 |
| Interest-bearing deposits | 202,836,000 | 196,049,000 | 188,983,000 | 195,876,000 |
| Noninterest-bearing deposits | 44,346,000 | 44,744,000 | 45,362,000 | 47,891,000 |
| Equity capital | 22,087,000 | 20,563,000 | 22,181,000 | 23,429,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 4,159,000 | 8,064,000 | 11,815,000 | 15,353,000 |
| Interest expense | 1,871,000 | 3,522,000 | 5,165,000 | 6,751,000 |
| Net interest income | 2,288,000 | 4,542,000 | 6,650,000 | 8,602,000 |
| Noninterest income | 714,000 | 1,389,000 | 2,064,000 | 2,756,000 |
| Noninterest expense | 1,923,000 | 3,911,000 | 5,892,000 | 7,922,000 |
| Provision for loan losses | 30,000 | 60,000 | 190,000 | 310,000 |
| Pretax income | 1,034,000 | 2,017,000 | 2,797,000 | 3,334,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,034,000 | 2,017,000 | 2,797,000 | 3,334,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,440,000 | 21,432,000 | 22,220,000 | 22,766,000 |
| Total capital | 22,574,000 | 23,585,000 | 24,410,000 | 25,001,000 |
| Risk-weighted assets | 203,009,000 | 201,971,000 | 216,036,000 | 220,010,000 |