Call reports 2009
FLORIDA CITIZENS BANK — 2009
What FLORIDA CITIZENS BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 284,089,000 | 289,135,000 | 285,806,000 | 289,740,000 |
| Total loans | 204,748,000 | 210,017,000 | 216,123,000 | 219,450,000 |
| Allowance for loan losses | 2,332,000 | 2,459,000 | 2,911,000 | 2,790,000 |
| Securities available for sale | 55,644,000 | 54,736,000 | 51,215,000 | 41,997,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 256,544,000 | 262,260,000 | 258,769,000 | 262,907,000 |
| Interest-bearing deposits | 211,919,000 | 220,572,000 | 216,361,000 | 222,748,000 |
| Noninterest-bearing deposits | 44,625,000 | 41,688,000 | 42,408,000 | 40,159,000 |
| Equity capital | 22,756,000 | 22,281,000 | 22,737,000 | 22,489,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 3,417,000 | 6,876,000 | 10,382,000 | 13,955,000 |
| Interest expense | 1,562,000 | 3,153,000 | 4,707,000 | 6,240,000 |
| Net interest income | 1,855,000 | 3,723,000 | 5,675,000 | 7,715,000 |
| Noninterest income | 592,000 | 1,212,000 | 1,865,000 | 2,522,000 |
| Noninterest expense | 1,914,000 | 3,979,000 | 6,076,000 | 8,226,000 |
| Provision for loan losses | 94,000 | 523,000 | 1,033,000 | 1,903,000 |
| Pretax income | 447,000 | 527,000 | 692,000 | 404,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 447,000 | 527,000 | 692,000 | 404,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,873,000 | 21,961,000 | 22,135,000 | 21,856,000 |
| Total capital | 24,205,000 | 24,420,000 | 25,046,000 | 24,646,000 |
| Risk-weighted assets | 224,657,000 | 232,115,000 | 236,721,000 | 242,280,000 |