Call reports 2004
CITIZENS BANK OF CLOVIS, THE — 2004
What CITIZENS BANK OF CLOVIS, THE 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 | 187,527,000 | 186,210,000 | 180,476,000 | 181,356,000 |
| Total loans | 102,580,000 | 104,950,000 | 108,304,000 | 106,492,000 |
| Allowance for loan losses | 1,165,000 | 1,236,000 | 1,313,000 | 710,000 |
| Securities available for sale | 65,716,000 | 60,237,000 | 57,159,000 | 64,868,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 149,069,000 | 153,425,000 | 147,766,000 | 147,055,000 |
| Interest-bearing deposits | 116,415,000 | 117,167,000 | 113,997,000 | 116,294,000 |
| Noninterest-bearing deposits | 32,654,000 | 36,258,000 | 33,769,000 | 30,761,000 |
| Equity capital | 22,949,000 | 21,638,000 | 23,097,000 | 23,274,000 |
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 | 2,220,000 | 4,390,000 | 6,583,000 | 8,725,000 |
| Interest expense | 441,000 | 882,000 | 1,333,000 | 1,800,000 |
| Net interest income | 1,779,000 | 3,508,000 | 5,250,000 | 6,925,000 |
| Noninterest income | 183,000 | 287,000 | 481,000 | 663,000 |
| Noninterest expense | 1,252,000 | 2,363,000 | 3,561,000 | 4,688,000 |
| Provision for loan losses | 75,000 | 150,000 | 225,000 | 308,000 |
| Pretax income | 637,000 | 1,301,000 | 1,919,000 | 2,557,000 |
| Income tax | 0 | 55,000 | 82,000 | 159,000 |
| Net income | 637,000 | 1,246,000 | 1,837,000 | 2,398,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,360,000 | 22,769,000 | 23,160,000 | 23,421,000 |
| Total capital | 23,525,000 | 24,005,000 | 24,473,000 | 24,131,000 |
| Risk-weighted assets | 105,136,000 | 110,280,000 | 109,877,000 | 107,131,000 |