Call reports 2017
CITIZENS BANK OF CLOVIS, THE — 2017
What CITIZENS BANK OF CLOVIS, THE reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 355,451,000 | 358,880,000 | 353,236,000 | 351,907,000 |
| Total loans | 202,256,000 | 202,962,000 | 213,484,000 | 193,701,000 |
| Allowance for loan losses | 1,927,000 | 1,947,000 | 2,047,000 | 2,042,000 |
| Securities available for sale | 114,643,000 | 112,833,000 | 108,834,000 | 115,151,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 306,136,000 | 308,163,000 | 299,578,000 | 299,900,000 |
| Interest-bearing deposits | 243,446,000 | 242,324,000 | 235,905,000 | 235,800,000 |
| Noninterest-bearing deposits | 62,690,000 | 65,839,000 | 63,673,000 | 64,100,000 |
| Equity capital | 35,869,000 | 37,469,000 | 38,308,000 | 38,812,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 3,090,000 | 6,222,000 | 9,520,000 | 12,701,000 |
| Interest expense | 465,000 | 927,000 | 1,401,000 | 1,890,000 |
| Net interest income | 2,625,000 | 5,295,000 | 8,119,000 | 10,811,000 |
| Noninterest income | 227,000 | 482,000 | 717,000 | 965,000 |
| Noninterest expense | 1,429,000 | 2,847,000 | 4,396,000 | 6,086,000 |
| Provision for loan losses | 100,000 | 100,000 | 200,000 | 200,000 |
| Pretax income | 1,323,000 | 2,830,000 | 4,240,000 | 5,401,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,323,000 | 2,830,000 | 4,240,000 | 5,401,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 38,264,000 | 38,689,000 | 39,430,000 | 40,591,000 |
| Total capital | 40,191,000 | 40,636,000 | 41,477,000 | 42,633,000 |
| Risk-weighted assets | 254,278,000 | 251,977,000 | 254,077,000 | 224,587,000 |
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