Call reports 2010
FLORIDA CITIZENS BANK — 2010
What FLORIDA CITIZENS BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 309,120,000 | 300,256,000 | 289,783,000 | 285,254,000 |
| Total loans | 232,341,000 | 230,862,000 | 226,940,000 | 218,648,000 |
| Allowance for loan losses | 2,957,000 | 3,252,000 | 3,583,000 | 4,383,000 |
| Securities available for sale | 43,520,000 | 47,521,000 | 43,640,000 | 39,123,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 281,490,000 | 273,542,000 | 266,747,000 | 258,043,000 |
| Interest-bearing deposits | 231,851,000 | 230,594,000 | 225,575,000 | 214,803,000 |
| Noninterest-bearing deposits | 49,639,000 | 42,948,000 | 41,172,000 | 43,240,000 |
| Equity capital | 23,423,000 | 22,396,000 | 18,933,000 | 20,546,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 3,441,000 | 6,926,000 | 10,341,000 | 13,646,000 |
| Interest expense | 1,533,000 | 3,047,000 | 4,460,000 | 5,740,000 |
| Net interest income | 1,908,000 | 3,879,000 | 5,881,000 | 7,906,000 |
| Noninterest income | 617,000 | 1,249,000 | 1,870,000 | 2,479,000 |
| Noninterest expense | 2,050,000 | 4,236,000 | 6,410,000 | 8,930,000 |
| Provision for loan losses | 300,000 | 2,750,000 | 6,550,000 | 8,372,000 |
| Pretax income | 175,000 | -1,820,000 | -5,171,000 | -6,879,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 175,000 | -1,820,000 | -5,171,000 | -6,879,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,640,000 | 21,254,000 | 17,913,000 | 20,313,000 |
| Total capital | 25,597,000 | 24,236,000 | 20,807,000 | 23,140,000 |
| Risk-weighted assets | 238,446,000 | 238,278,000 | 230,812,000 | 224,601,000 |