Call reports 2007
CITIZENS BANK OF CLOVIS, THE — 2007
What CITIZENS BANK OF CLOVIS, THE reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 187,489,000 | 189,124,000 | 188,875,000 | 206,965,000 |
| Total loans | 117,150,000 | 122,536,000 | 113,663,000 | 110,963,000 |
| Allowance for loan losses | 1,333,000 | 1,333,000 | 1,333,000 | 1,374,000 |
| Securities available for sale | 54,469,000 | 53,248,000 | 53,713,000 | 69,112,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 151,401,000 | 153,655,000 | 149,819,000 | 168,395,000 |
| Interest-bearing deposits | 112,794,000 | 113,466,000 | 112,933,000 | 126,663,000 |
| Noninterest-bearing deposits | 38,607,000 | 40,189,000 | 36,886,000 | 41,732,000 |
| Equity capital | 27,255,000 | 27,334,000 | 28,881,000 | 28,215,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 3,058,000 | 6,291,000 | 9,514,000 | 12,689,000 |
| Interest expense | 883,000 | 1,812,000 | 2,770,000 | 3,782,000 |
| Net interest income | 2,175,000 | 4,479,000 | 6,744,000 | 8,907,000 |
| Noninterest income | 206,000 | 427,000 | 647,000 | 852,000 |
| Noninterest expense | 1,393,000 | 2,645,000 | 3,858,000 | 5,265,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 988,000 | 2,261,000 | 3,533,000 | 4,494,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 988,000 | 2,261,000 | 3,533,000 | 4,494,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,888,000 | 28,766,000 | 29,644,000 | 29,123,000 |
| Total capital | 29,221,000 | 30,099,000 | 30,977,000 | 30,497,000 |
| Risk-weighted assets | 122,046,000 | 127,716,000 | 119,956,000 | 117,117,000 |