Call reports 2005
CITIZENS BANK OF CLOVIS, THE — 2005
What CITIZENS BANK OF CLOVIS, THE 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 | 187,208,000 | 193,549,000 | 189,013,000 | 189,150,000 |
| Total loans | 109,880,000 | 109,369,000 | 113,133,000 | 114,432,000 |
| Allowance for loan losses | 793,000 | 1,006,000 | 1,067,000 | 1,143,000 |
| Securities available for sale | 61,063,000 | 61,560,000 | 62,923,000 | 62,485,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 149,999,000 | 156,153,000 | 151,963,000 | 153,390,000 |
| Interest-bearing deposits | 117,365,000 | 119,345,000 | 117,194,000 | 117,010,000 |
| Noninterest-bearing deposits | 32,634,000 | 36,808,000 | 34,769,000 | 36,380,000 |
| Equity capital | 23,290,000 | 24,361,000 | 24,834,000 | 25,016,000 |
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 | 2,313,000 | 4,801,000 | 7,414,000 | 10,155,000 |
| Interest expense | 502,000 | 1,071,000 | 1,724,000 | 2,430,000 |
| Net interest income | 1,811,000 | 3,730,000 | 5,690,000 | 7,725,000 |
| Noninterest income | 220,000 | 441,000 | 660,000 | 898,000 |
| Noninterest expense | 1,193,000 | 2,317,000 | 3,478,000 | 4,610,000 |
| Provision for loan losses | 75,000 | 150,000 | 225,000 | 300,000 |
| Pretax income | 776,000 | 1,722,000 | 2,665,000 | 3,731,000 |
| Income tax | 17,000 | 79,000 | 110,000 | 141,000 |
| Net income | 759,000 | 1,643,000 | 2,555,000 | 3,590,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,805,000 | 24,514,000 | 25,251,000 | 25,986,000 |
| Total capital | 24,598,000 | 25,520,000 | 26,318,000 | 27,129,000 |
| Risk-weighted assets | 111,144,000 | 112,780,000 | 116,250,000 | 116,434,000 |
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