Call reports 2005
CITIZENS INDEPENDENT BANK — 2005
What CITIZENS INDEPENDENT BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 226,208,000 | 242,347,000 | 239,383,000 | 255,287,000 |
| Total loans | 162,175,000 | 178,077,000 | 178,245,000 | 189,013,000 |
| Allowance for loan losses | 1,509,000 | 1,675,000 | 1,732,000 | 1,765,000 |
| Securities available for sale | 48,478,000 | 48,326,000 | 45,316,000 | 50,140,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 193,153,000 | 195,209,000 | 204,710,000 | 209,519,000 |
| Interest-bearing deposits | 138,799,000 | 140,600,000 | 151,198,000 | 154,102,000 |
| Noninterest-bearing deposits | 54,354,000 | 54,609,000 | 53,512,000 | 55,417,000 |
| Equity capital | 23,782,000 | 24,530,000 | 24,948,000 | 25,076,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 2,892,000 | 6,050,000 | 9,376,000 | 12,861,000 |
| Interest expense | 615,000 | 1,386,000 | 2,328,000 | 3,338,000 |
| Net interest income | 2,277,000 | 4,664,000 | 7,048,000 | 9,523,000 |
| Noninterest income | 458,000 | 963,000 | 1,844,000 | 2,173,000 |
| Noninterest expense | 2,178,000 | 4,498,000 | 7,010,000 | 9,228,000 |
| Provision for loan losses | 116,000 | 294,000 | 452,000 | 563,000 |
| Pretax income | 441,000 | 835,000 | 1,430,000 | 1,905,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 441,000 | 835,000 | 1,430,000 | 1,905,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,062,000 | 24,456,000 | 25,051,000 | 25,526,000 |
| Total capital | 25,571,000 | 26,131,000 | 26,783,000 | 27,291,000 |
| Risk-weighted assets | 163,815,000 | 179,062,000 | 177,275,000 | 187,986,000 |
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