Call reports 2014
FLORIDA CITIZENS BANK — 2014
What FLORIDA CITIZENS BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 239,798,000 | 240,342,000 | 238,293,000 | 231,387,000 |
| Total loans | 166,254,000 | 167,321,000 | 164,493,000 | 168,077,000 |
| Allowance for loan losses | 3,269,000 | 3,169,000 | 3,259,000 | 3,095,000 |
| Securities available for sale | 41,269,000 | 40,815,000 | 38,976,000 | 28,668,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 219,537,000 | 218,963,000 | 217,186,000 | 209,881,000 |
| Interest-bearing deposits | 162,411,000 | 164,145,000 | 159,642,000 | 152,791,000 |
| Noninterest-bearing deposits | 57,126,000 | 54,817,000 | 57,544,000 | 57,090,000 |
| Equity capital | 18,090,000 | 19,164,000 | 19,181,000 | 19,800,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 2,317,000 | 4,708,000 | 7,073,000 | 9,324,000 |
| Interest expense | 446,000 | 859,000 | 1,263,000 | 1,632,000 |
| Net interest income | 1,871,000 | 3,849,000 | 5,810,000 | 7,692,000 |
| Noninterest income | 309,000 | 719,000 | 955,000 | 1,148,000 |
| Noninterest expense | 2,008,000 | 4,046,000 | 6,034,000 | 8,035,000 |
| Provision for loan losses | 0 | 0 | 50,000 | 50,000 |
| Pretax income | 172,000 | 522,000 | 681,000 | 734,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 172,000 | 522,000 | 681,000 | 734,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,658,000 | 20,007,000 | 20,167,000 | 20,220,000 |
| Total capital | 21,889,000 | 22,214,000 | 22,319,000 | 22,409,000 |
| Risk-weighted assets | 177,436,000 | 175,621,000 | 171,088,000 | 174,200,000 |