Call reports 2019
CITIZENS BANK OF CLOVIS, THE — 2019
What CITIZENS BANK OF CLOVIS, THE reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 343,766,000 | 344,504,000 | 346,968,000 | 347,122,000 |
| Total loans | 196,675,000 | 197,994,000 | 195,325,000 | 180,502,000 |
| Allowance for loan losses | 2,153,000 | 2,288,000 | 2,288,000 | 2,288,000 |
| Securities available for sale | 104,443,000 | 105,109,000 | 101,126,000 | 112,962,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 294,500,000 | 292,485,000 | 287,883,000 | 293,033,000 |
| Interest-bearing deposits | 227,096,000 | 224,106,000 | 221,025,000 | 225,411,000 |
| Noninterest-bearing deposits | 67,404,000 | 68,379,000 | 66,858,000 | 67,622,000 |
| Equity capital | 40,493,000 | 42,690,000 | 43,709,000 | 45,151,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 3,586,000 | 7,145,000 | 10,848,000 | 14,198,000 |
| Interest expense | 637,000 | 1,294,000 | 1,976,000 | 2,668,000 |
| Net interest income | 2,949,000 | 5,851,000 | 8,872,000 | 11,530,000 |
| Noninterest income | 217,000 | 444,000 | 685,000 | 922,000 |
| Noninterest expense | 1,533,000 | 3,028,000 | 4,546,000 | 6,358,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 1,633,000 | 3,267,000 | 5,011,000 | 6,094,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,633,000 | 3,267,000 | 5,011,000 | 6,094,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 42,911,000 | 43,416,000 | 44,436,000 | 45,519,000 |
| Total capital | 45,064,000 | 45,704,000 | 46,724,000 | 47,807,000 |
| Risk-weighted assets | 232,691,000 | 231,150,000 | 225,328,000 | 214,140,000 |