Call reports 2013
CITIZENS BANK OF CLOVIS, THE — 2013
What CITIZENS BANK OF CLOVIS, THE reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 333,006,000 | 340,997,000 | 338,327,000 | 317,601,000 |
| Total loans | 120,130,000 | 123,353,000 | 127,355,000 | 129,287,000 |
| Allowance for loan losses | 1,483,000 | 1,483,000 | 1,498,000 | 1,496,000 |
| Securities available for sale | 190,086,000 | 190,364,000 | 187,704,000 | 166,998,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 268,494,000 | 270,121,000 | 272,640,000 | 278,432,000 |
| Interest-bearing deposits | 214,986,000 | 211,176,000 | 216,052,000 | 218,034,000 |
| Noninterest-bearing deposits | 53,508,000 | 58,945,000 | 56,588,000 | 60,398,000 |
| Equity capital | 35,865,000 | 31,486,000 | 26,473,000 | 27,476,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 2,660,000 | 5,402,000 | 8,243,000 | 11,093,000 |
| Interest expense | 500,000 | 1,009,000 | 1,519,000 | 2,036,000 |
| Net interest income | 2,160,000 | 4,393,000 | 6,724,000 | 9,057,000 |
| Noninterest income | 239,000 | 546,000 | 817,000 | 1,086,000 |
| Noninterest expense | 1,444,000 | 2,807,000 | 4,249,000 | 5,778,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 1,473,000 | 3,080,000 | 4,241,000 | 4,282,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,473,000 | 3,080,000 | 4,241,000 | 4,282,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,010,000 | 32,502,000 | 33,150,000 | 33,192,000 |
| Total capital | 33,493,000 | 33,978,000 | 34,648,000 | 34,688,000 |
| Risk-weighted assets | 124,399,000 | 119,668,000 | 130,055,000 | 131,299,000 |
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