Call reports 2014
CITIZENS BANK OF CLOVIS, THE — 2014
What CITIZENS BANK OF CLOVIS, THE reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 320,127,000 | 331,509,000 | 330,507,000 | 342,235,000 |
| Total loans | 129,196,000 | 132,292,000 | 137,199,000 | 130,849,000 |
| Allowance for loan losses | 1,499,000 | 1,499,000 | 1,499,000 | 1,499,000 |
| Securities available for sale | 146,965,000 | 148,999,000 | 163,175,000 | 159,910,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 279,628,000 | 290,319,000 | 278,947,000 | 295,505,000 |
| Interest-bearing deposits | 222,808,000 | 227,797,000 | 221,450,000 | 238,348,000 |
| Noninterest-bearing deposits | 56,820,000 | 62,522,000 | 57,497,000 | 57,157,000 |
| Equity capital | 27,591,000 | 29,374,000 | 29,660,000 | 32,340,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 2,497,000 | 4,790,000 | 7,179,000 | 9,581,000 |
| Interest expense | 504,000 | 1,019,000 | 1,528,000 | 2,044,000 |
| Net interest income | 1,993,000 | 3,771,000 | 5,651,000 | 7,537,000 |
| Noninterest income | 272,000 | 549,000 | 813,000 | 1,090,000 |
| Noninterest expense | 1,475,000 | 2,832,000 | 4,191,000 | 5,697,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 851,000 | 1,497,000 | 2,294,000 | 2,966,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 851,000 | 1,497,000 | 2,294,000 | 2,966,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,430,000 | 32,707,000 | 33,249,000 | 33,919,000 |
| Total capital | 33,929,000 | 34,206,000 | 34,748,000 | 35,418,000 |
| Risk-weighted assets | 135,857,000 | 139,142,000 | 141,670,000 | 138,519,000 |
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