Call reports 2009
CITIZENS INDEPENDENT BANK — 2009
What CITIZENS INDEPENDENT BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 297,944,000 | 303,946,000 | 308,421,000 | 308,459,000 |
| Total loans | 256,439,000 | 264,248,000 | 261,988,000 | 258,999,000 |
| Allowance for loan losses | 4,320,000 | 4,615,000 | 5,030,000 | 6,681,000 |
| Securities available for sale | 28,999,000 | 26,683,000 | 25,972,000 | 36,722,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 225,417,000 | 222,426,000 | 237,811,000 | 238,272,000 |
| Interest-bearing deposits | 212,674,000 | 205,432,000 | 225,656,000 | 223,808,000 |
| Noninterest-bearing deposits | 12,743,000 | 16,994,000 | 12,155,000 | 14,464,000 |
| Equity capital | 24,968,000 | 25,014,000 | 25,379,000 | 25,169,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 4,074,000 | 8,064,000 | 11,821,000 | 15,498,000 |
| Interest expense | 1,234,000 | 2,414,000 | 3,587,000 | 4,740,000 |
| Net interest income | 2,840,000 | 5,650,000 | 8,234,000 | 10,758,000 |
| Noninterest income | 315,000 | 652,000 | 1,003,000 | 926,000 |
| Noninterest expense | 2,402,000 | 4,920,000 | 7,374,000 | 10,081,000 |
| Provision for loan losses | 687,000 | 1,368,000 | 1,926,000 | 3,839,000 |
| Pretax income | 66,000 | 14,000 | 34,000 | -2,139,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 66,000 | 14,000 | 34,000 | -2,139,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,566,000 | 25,514,000 | 25,534,000 | 25,360,000 |
| Total capital | 28,709,000 | 28,761,000 | 28,759,000 | 28,570,000 |
| Risk-weighted assets | 250,252,000 | 258,364,000 | 256,162,000 | 253,300,000 |
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