Call reports 2008
CITIZENS BANK OF CLOVIS, THE — 2008
What CITIZENS BANK OF CLOVIS, THE reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 212,616,000 | 208,780,000 | 209,298,000 | 228,514,000 |
| Total loans | 108,765,000 | 102,780,000 | 97,742,000 | 105,282,000 |
| Allowance for loan losses | 1,428,000 | 1,430,000 | 1,383,000 | 1,301,000 |
| Securities available for sale | 90,100,000 | 92,891,000 | 98,842,000 | 104,336,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 172,663,000 | 171,290,000 | 170,364,000 | 185,113,000 |
| Interest-bearing deposits | 131,774,000 | 125,632,000 | 131,048,000 | 144,649,000 |
| Noninterest-bearing deposits | 40,889,000 | 45,658,000 | 39,316,000 | 40,464,000 |
| Equity capital | 28,891,000 | 26,904,000 | 28,627,000 | 30,762,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 3,067,000 | 5,981,000 | 8,825,000 | 11,679,000 |
| Interest expense | 1,012,000 | 1,924,000 | 2,750,000 | 3,562,000 |
| Net interest income | 2,055,000 | 4,057,000 | 6,075,000 | 8,117,000 |
| Noninterest income | 207,000 | 454,000 | 670,000 | 927,000 |
| Noninterest expense | 1,345,000 | 2,563,000 | 3,786,000 | 5,156,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 917,000 | 1,948,000 | 2,959,000 | 3,888,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 917,000 | 1,948,000 | 2,959,000 | 3,888,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,150,000 | 29,689,000 | 30,201,000 | 30,375,000 |
| Total capital | 30,578,000 | 31,014,000 | 31,434,000 | 31,676,000 |
| Risk-weighted assets | 113,517,000 | 105,891,000 | 98,475,000 | 105,368,000 |
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