Call reports 2004
CITIZENS INDEPENDENT BANK — 2004
What CITIZENS INDEPENDENT BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 210,341,000 | 212,675,000 | 210,080,000 | 219,326,000 |
| Total loans | 140,239,000 | 139,243,000 | 140,827,000 | 151,565,000 |
| Allowance for loan losses | 1,434,000 | 1,355,000 | 1,340,000 | 1,433,000 |
| Securities available for sale | 50,605,000 | 51,737,000 | 49,888,000 | 52,490,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 180,973,000 | 181,979,000 | 179,495,000 | 189,201,000 |
| Interest-bearing deposits | 130,371,000 | 132,589,000 | 129,487,000 | 133,592,000 |
| Noninterest-bearing deposits | 50,602,000 | 49,390,000 | 50,008,000 | 55,609,000 |
| Equity capital | 23,998,000 | 23,207,000 | 24,328,000 | 24,460,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 2,587,000 | 5,231,000 | 7,848,000 | 10,631,000 |
| Interest expense | 441,000 | 868,000 | 1,345,000 | 1,867,000 |
| Net interest income | 2,146,000 | 4,363,000 | 6,503,000 | 8,764,000 |
| Noninterest income | 682,000 | 1,501,000 | 2,260,000 | 2,994,000 |
| Noninterest expense | 2,426,000 | 4,988,000 | 7,458,000 | 9,978,000 |
| Provision for loan losses | 96,000 | 198,000 | 207,000 | 307,000 |
| Pretax income | 306,000 | 706,000 | 1,126,000 | 1,501,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 306,000 | 706,000 | 1,126,000 | 1,501,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,526,000 | 22,926,000 | 23,346,000 | 23,721,000 |
| Total capital | 23,960,000 | 24,281,000 | 24,686,000 | 25,154,000 |
| Risk-weighted assets | 139,093,000 | 140,462,000 | 142,366,000 | 153,559,000 |
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