Call reports 2015
FLORIDA CITIZENS BANK — 2015
What FLORIDA CITIZENS BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 |
|---|---|---|---|
| Total assets | 231,135,000 | 232,714,000 | 237,794,000 |
| Total loans | 169,303,000 | 170,106,000 | 168,151,000 |
| Allowance for loan losses | 3,026,000 | 3,009,000 | 2,822,000 |
| Securities available for sale | 24,312,000 | 22,785,000 | 21,922,000 |
| Securities held to maturity | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 |
| Total deposits | 208,930,000 | 210,856,000 | 215,318,000 |
| Interest-bearing deposits | 149,034,000 | 149,840,000 | 153,158,000 |
| Noninterest-bearing deposits | 59,895,000 | 61,017,000 | 62,160,000 |
| Equity capital | 20,400,000 | 20,325,000 | 20,848,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 |
|---|---|---|---|
| Interest income | 2,222,000 | 4,478,000 | 6,734,000 |
| Interest expense | 348,000 | 704,000 | 1,040,000 |
| Net interest income | 1,874,000 | 3,774,000 | 5,694,000 |
| Noninterest income | 452,000 | 849,000 | 1,312,000 |
| Noninterest expense | 1,869,000 | 3,902,000 | 5,984,000 |
| Provision for loan losses | 100,000 | 150,000 | 150,000 |
| Pretax income | 355,000 | 569,000 | 870,000 |
| Income tax | 0 | 0 | 0 |
| Net income | 355,000 | 569,000 | 870,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 |
|---|---|---|---|
| Tier 1 capital | 20,575,000 | 20,790,000 | 21,090,000 |
| Total capital | 22,845,000 | 23,068,000 | 23,353,000 |
| Risk-weighted assets | 180,860,000 | 181,537,000 | 180,541,000 |