Call reports 2005
CIVIC BANK & TRUST — 2005
What CIVIC BANK & TRUST reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q3 | 2005Q4 |
|---|---|---|
| Total assets | 20,768,000 | 22,646,000 |
| Total loans | 777,000 | 4,466,000 |
| Allowance for loan losses | 22,000 | 88,000 |
| Securities available for sale | 3,936,000 | 8,411,000 |
| Securities held to maturity | 0 | 0 |
| Trading assets | 0 | 0 |
| Total deposits | 5,919,000 | 8,031,000 |
| Interest-bearing deposits | 5,673,000 | 7,601,000 |
| Noninterest-bearing deposits | 246,000 | 430,000 |
| Equity capital | 14,826,000 | 14,585,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q3 | 2005Q4 |
|---|---|---|
| Interest income | 145,000 | 393,000 |
| Interest expense | 5,000 | 58,000 |
| Net interest income | 140,000 | 335,000 |
| Noninterest income | 6,000 | 4,000 |
| Noninterest expense | 994,000 | 1,344,000 |
| Provision for loan losses | 22,000 | 88,000 |
| Pretax income | -870,000 | -1,093,000 |
| Income tax | 0 | 0 |
| Net income | -870,000 | -1,093,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q3 | 2005Q4 |
|---|---|---|
| Tier 1 capital | 14,826,000 | 14,585,000 |
| Total capital | 14,848,000 | 14,673,000 |
| Risk-weighted assets | 5,225,000 | 9,311,000 |