Call reports 2013
FLORIDA CITIZENS BANK — 2013
What FLORIDA CITIZENS BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 253,981,000 | 250,928,000 | 255,147,000 | 237,301,000 |
| Total loans | 168,912,000 | 162,207,000 | 162,222,000 | 166,760,000 |
| Allowance for loan losses | 3,479,000 | 3,383,000 | 3,270,000 | 3,225,000 |
| Securities available for sale | 51,458,000 | 51,952,000 | 56,810,000 | 41,751,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 231,847,000 | 231,041,000 | 234,953,000 | 217,734,000 |
| Interest-bearing deposits | 179,681,000 | 177,808,000 | 178,121,000 | 162,422,000 |
| Noninterest-bearing deposits | 52,166,000 | 53,233,000 | 56,832,000 | 55,312,000 |
| Equity capital | 19,549,000 | 17,211,000 | 17,543,000 | 17,308,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 2,244,000 | 4,522,000 | 6,910,000 | 9,338,000 |
| Interest expense | 702,000 | 1,387,000 | 2,044,000 | 2,593,000 |
| Net interest income | 1,542,000 | 3,135,000 | 4,866,000 | 6,745,000 |
| Noninterest income | 463,000 | 922,000 | 1,340,000 | 1,666,000 |
| Noninterest expense | 2,024,000 | 4,170,000 | 6,278,000 | 8,331,000 |
| Provision for loan losses | 150,000 | 150,000 | 180,000 | 210,000 |
| Pretax income | 10,000 | -37,000 | -26,000 | 123,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 10,000 | -37,000 | -26,000 | 123,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,372,000 | 19,325,000 | 19,337,000 | 19,486,000 |
| Total capital | 21,579,000 | 21,505,000 | 21,526,000 | 21,721,000 |
| Risk-weighted assets | 175,271,000 | 173,192,000 | 174,018,000 | 177,837,000 |