Call reports 2010
CITIZENS BANK OF CLOVIS, THE — 2010
What CITIZENS BANK OF CLOVIS, THE reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 254,570,000 | 260,862,000 | 271,739,000 | 280,831,000 |
| Total loans | 131,064,000 | 138,718,000 | 137,047,000 | 133,017,000 |
| Allowance for loan losses | 1,452,000 | 1,453,000 | 1,447,000 | 1,444,000 |
| Securities available for sale | 108,865,000 | 107,130,000 | 114,452,000 | 136,788,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 202,631,000 | 216,934,000 | 222,819,000 | 230,787,000 |
| Interest-bearing deposits | 160,008,000 | 165,118,000 | 172,276,000 | 181,804,000 |
| Noninterest-bearing deposits | 42,623,000 | 51,816,000 | 50,543,000 | 48,983,000 |
| Equity capital | 31,967,000 | 33,941,000 | 35,205,000 | 34,570,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 2,829,000 | 5,833,000 | 8,732,000 | 11,568,000 |
| Interest expense | 588,000 | 1,175,000 | 1,750,000 | 2,304,000 |
| Net interest income | 2,241,000 | 4,658,000 | 6,982,000 | 9,264,000 |
| Noninterest income | 239,000 | 515,000 | 767,000 | 980,000 |
| Noninterest expense | 1,351,000 | 2,683,000 | 4,013,000 | 5,464,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 1,178,000 | 2,885,000 | 4,157,000 | 5,210,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,178,000 | 2,885,000 | 4,157,000 | 5,210,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,616,000 | 32,508,000 | 33,154,000 | 34,207,000 |
| Total capital | 33,068,000 | 33,961,000 | 34,601,000 | 35,651,000 |
| Risk-weighted assets | 128,934,000 | 135,681,000 | 136,191,000 | 129,508,000 |
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