Call reports 2002
CITIZENS BANK OF CLOVIS, THE — 2002
What CITIZENS BANK OF CLOVIS, THE reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 166,763,000 | 169,324,000 | 171,580,000 | 175,858,000 |
| Total loans | 94,142,000 | 94,858,000 | 100,301,000 | 102,346,000 |
| Allowance for loan losses | 1,065,000 | 1,134,000 | 1,362,000 | 1,200,000 |
| Securities available for sale | 59,690,000 | 62,653,000 | 58,123,000 | 48,307,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 138,392,000 | 134,278,000 | 139,132,000 | 142,604,000 |
| Interest-bearing deposits | 113,312,000 | 110,350,000 | 113,906,000 | 112,774,000 |
| Noninterest-bearing deposits | 25,080,000 | 23,928,000 | 25,226,000 | 29,830,000 |
| Equity capital | 18,026,000 | 19,169,000 | 19,999,000 | 20,509,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 2,572,000 | 5,156,000 | 7,635,000 | 10,154,000 |
| Interest expense | 869,000 | 1,688,000 | 2,478,000 | 3,173,000 |
| Net interest income | 1,703,000 | 3,468,000 | 5,157,000 | 6,981,000 |
| Noninterest income | 396,000 | 635,000 | 873,000 | 1,075,000 |
| Noninterest expense | 1,113,000 | 2,211,000 | 3,304,000 | 4,394,000 |
| Provision for loan losses | 75,000 | 150,000 | 200,000 | 228,000 |
| Pretax income | 1,046,000 | 1,918,000 | 2,937,000 | 3,904,000 |
| Income tax | 400,000 | 750,000 | 1,150,000 | 1,369,000 |
| Net income | 646,000 | 1,168,000 | 1,787,000 | 2,535,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,411,000 | 18,933,000 | 19,552,000 | 20,000,000 |
| Total capital | 19,476,000 | 20,067,000 | 20,812,000 | 21,200,000 |
| Risk-weighted assets | 105,842,000 | 102,984,000 | 100,711,000 | 112,157,000 |