Call reports 2006
CITIZENS BANK OF CLOVIS, THE — 2006
What CITIZENS BANK OF CLOVIS, THE reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 203,111,000 | 194,214,000 | 187,083,000 | 184,013,000 |
| Total loans | 113,822,000 | 112,493,000 | 111,182,000 | 114,041,000 |
| Allowance for loan losses | 1,196,000 | 1,246,000 | 1,324,000 | 1,331,000 |
| Securities available for sale | 66,410,000 | 64,671,000 | 61,515,000 | 58,759,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 168,873,000 | 158,391,000 | 143,777,000 | 150,267,000 |
| Interest-bearing deposits | 123,312,000 | 114,984,000 | 106,876,000 | 110,901,000 |
| Noninterest-bearing deposits | 45,561,000 | 43,407,000 | 36,901,000 | 39,366,000 |
| Equity capital | 24,707,000 | 24,658,000 | 26,265,000 | 26,949,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 2,833,000 | 5,911,000 | 9,010,000 | 12,114,000 |
| Interest expense | 777,000 | 1,643,000 | 2,529,000 | 3,468,000 |
| Net interest income | 2,056,000 | 4,268,000 | 6,481,000 | 8,646,000 |
| Noninterest income | 234,000 | 630,000 | 873,000 | 1,070,000 |
| Noninterest expense | 1,214,000 | 2,388,000 | 3,618,000 | 4,856,000 |
| Provision for loan losses | 75,000 | 150,000 | 225,000 | 225,000 |
| Pretax income | 1,001,000 | 2,360,000 | 3,511,000 | 4,635,000 |
| Income tax | 0 | 62,000 | 93,000 | 124,000 |
| Net income | 1,001,000 | 2,298,000 | 3,418,000 | 4,511,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,711,000 | 26,614,000 | 27,339,000 | 27,691,000 |
| Total capital | 26,907,000 | 27,860,000 | 28,663,000 | 29,022,000 |
| Risk-weighted assets | 119,548,000 | 118,063,000 | 116,449,000 | 118,039,000 |
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