Call reports 2003
CITIZENS BANK OF CLOVIS, THE — 2003
What CITIZENS BANK OF CLOVIS, THE reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 178,573,000 | 180,928,000 | 182,244,000 | 182,674,000 |
| Total loans | 102,852,000 | 102,717,000 | 101,343,000 | 103,061,000 |
| Allowance for loan losses | 1,284,000 | 1,395,000 | 1,466,000 | 1,100,000 |
| Securities available for sale | 55,312,000 | 60,044,000 | 64,764,000 | 68,363,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 145,102,000 | 147,649,000 | 148,141,000 | 148,602,000 |
| Interest-bearing deposits | 112,347,000 | 114,388,000 | 113,444,000 | 115,293,000 |
| Noninterest-bearing deposits | 32,755,000 | 33,261,000 | 34,697,000 | 33,309,000 |
| Equity capital | 20,954,000 | 22,359,000 | 21,888,000 | 22,636,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 2,315,000 | 4,597,000 | 6,820,000 | 9,074,000 |
| Interest expense | 607,000 | 1,210,000 | 1,703,000 | 2,159,000 |
| Net interest income | 1,708,000 | 3,387,000 | 5,117,000 | 6,915,000 |
| Noninterest income | 189,000 | 378,000 | 558,000 | 737,000 |
| Noninterest expense | 1,107,000 | 2,221,000 | 3,291,000 | 4,363,000 |
| Provision for loan losses | 75,000 | 150,000 | 225,000 | 250,000 |
| Pretax income | 713,000 | 1,389,000 | 2,171,000 | 3,051,000 |
| Income tax | 275,000 | 104,000 | 131,000 | 158,000 |
| Net income | 438,000 | 1,285,000 | 2,040,000 | 2,893,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,438,000 | 21,285,000 | 22,040,000 | 22,593,000 |
| Total capital | 21,722,000 | 22,611,000 | 23,334,000 | 23,693,000 |
| Risk-weighted assets | 105,162,000 | 105,993,000 | 103,328,000 | 104,403,000 |