Call reports 2011
FLORIDA CITIZENS BANK — 2011
What FLORIDA CITIZENS BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 287,881,000 | 287,126,000 | 281,772,000 | 275,573,000 |
| Total loans | 212,435,000 | 206,745,000 | 199,150,000 | 194,634,000 |
| Allowance for loan losses | 4,241,000 | 4,186,000 | 4,029,000 | 4,029,000 |
| Securities available for sale | 32,325,000 | 38,159,000 | 47,925,000 | 39,744,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 258,321,000 | 257,045,000 | 251,576,000 | 246,394,000 |
| Interest-bearing deposits | 210,311,000 | 210,018,000 | 206,625,000 | 199,617,000 |
| Noninterest-bearing deposits | 48,010,000 | 47,027,000 | 44,951,000 | 46,778,000 |
| Equity capital | 20,556,000 | 21,070,000 | 21,324,000 | 20,532,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 3,088,000 | 6,075,000 | 9,033,000 | 11,778,000 |
| Interest expense | 1,099,000 | 2,156,000 | 3,131,000 | 4,070,000 |
| Net interest income | 1,989,000 | 3,919,000 | 5,902,000 | 7,708,000 |
| Noninterest income | 442,000 | 984,000 | 1,488,000 | 1,939,000 |
| Noninterest expense | 2,261,000 | 4,621,000 | 6,833,000 | 9,083,000 |
| Provision for loan losses | 260,000 | 400,000 | 640,000 | 1,210,000 |
| Pretax income | -90,000 | -117,000 | 72,000 | -490,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -90,000 | -117,000 | 72,000 | -490,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,232,000 | 20,214,000 | 20,412,000 | 19,859,000 |
| Total capital | 22,985,000 | 22,905,000 | 23,039,000 | 22,401,000 |
| Risk-weighted assets | 218,768,000 | 213,797,000 | 208,740,000 | 201,862,000 |