Call reports 2012
FLORIDA CITIZENS BANK — 2012
What FLORIDA CITIZENS BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 271,588,000 | 269,301,000 | 263,317,000 | 254,580,000 |
| Total loans | 186,894,000 | 182,559,000 | 176,788,000 | 171,238,000 |
| Allowance for loan losses | 3,945,000 | 3,834,000 | 3,718,000 | 3,522,000 |
| Securities available for sale | 54,970,000 | 58,917,000 | 59,288,000 | 62,573,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 248,158,000 | 245,112,000 | 238,748,000 | 231,751,000 |
| Interest-bearing deposits | 202,305,000 | 199,382,000 | 190,872,000 | 179,726,000 |
| Noninterest-bearing deposits | 45,853,000 | 45,730,000 | 47,876,000 | 52,026,000 |
| Equity capital | 20,328,000 | 21,037,000 | 21,453,000 | 20,107,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 2,706,000 | 5,305,000 | 7,685,000 | 10,025,000 |
| Interest expense | 898,000 | 1,751,000 | 2,568,000 | 3,337,000 |
| Net interest income | 1,808,000 | 3,554,000 | 5,117,000 | 6,688,000 |
| Noninterest income | 450,000 | 885,000 | 1,371,000 | 1,827,000 |
| Noninterest expense | 2,192,000 | 4,446,000 | 6,639,000 | 8,791,000 |
| Provision for loan losses | 180,000 | 210,000 | 370,000 | 875,000 |
| Pretax income | -113,000 | -96,000 | -49,000 | -487,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -113,000 | -96,000 | -49,000 | -487,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,737,000 | 19,754,000 | 19,800,000 | 19,362,000 |
| Total capital | 22,216,000 | 22,183,000 | 22,171,000 | 21,611,000 |
| Risk-weighted assets | 196,825,000 | 192,926,000 | 188,367,000 | 178,621,000 |