Call reports 2012
CITIZENS BANK OF CLOVIS, THE — 2012
What CITIZENS BANK OF CLOVIS, THE reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 298,806,000 | 310,327,000 | 325,508,000 | 325,091,000 |
| Total loans | 115,582,000 | 120,594,000 | 121,099,000 | 118,025,000 |
| Allowance for loan losses | 1,482,000 | 1,478,000 | 1,479,000 | 1,482,000 |
| Securities available for sale | 162,938,000 | 171,372,000 | 181,206,000 | 187,335,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 249,731,000 | 258,923,000 | 259,913,000 | 263,952,000 |
| Interest-bearing deposits | 202,778,000 | 205,934,000 | 209,680,000 | 210,949,000 |
| Noninterest-bearing deposits | 46,953,000 | 52,989,000 | 50,233,000 | 53,003,000 |
| Equity capital | 36,553,000 | 37,645,000 | 38,500,000 | 38,648,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 2,740,000 | 5,505,000 | 8,318,000 | 11,032,000 |
| Interest expense | 519,000 | 1,040,000 | 1,556,000 | 2,071,000 |
| Net interest income | 2,221,000 | 4,465,000 | 6,762,000 | 8,961,000 |
| Noninterest income | 206,000 | 430,000 | 647,000 | 1,089,000 |
| Noninterest expense | 1,336,000 | 2,730,000 | 4,033,000 | 7,981,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 1,350,000 | 2,424,000 | 3,635,000 | 2,809,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,350,000 | 2,424,000 | 3,635,000 | 2,809,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,801,000 | 32,603,000 | 33,371,000 | 32,783,000 |
| Total capital | 34,283,000 | 34,081,000 | 34,850,000 | 34,265,000 |
| Risk-weighted assets | 118,741,000 | 129,556,000 | 127,217,000 | 122,301,000 |