Call reports 2006
CIVIC BANK & TRUST — 2006
What CIVIC BANK & TRUST reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 25,925,000 | 33,476,000 | 59,377,000 | 76,446,000 |
| Total loans | 12,532,000 | 23,503,000 | 34,013,000 | 44,239,000 |
| Allowance for loan losses | 237,000 | 392,000 | 425,000 | 553,000 |
| Securities available for sale | 9,789,000 | 8,146,000 | 18,160,000 | 25,277,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 10,885,000 | 15,803,000 | 32,766,000 | 43,726,000 |
| Interest-bearing deposits | 10,421,000 | 15,327,000 | 31,208,000 | 41,827,000 |
| Noninterest-bearing deposits | 464,000 | 476,000 | 1,558,000 | 1,899,000 |
| Equity capital | 14,220,000 | 13,884,000 | 13,850,000 | 13,525,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 333,000 | 850,000 | 1,703,000 | 2,801,000 |
| Interest expense | 88,000 | 240,000 | 662,000 | 1,325,000 |
| Net interest income | 245,000 | 610,000 | 1,041,000 | 1,476,000 |
| Noninterest income | 5,000 | 15,000 | 30,000 | 44,000 |
| Noninterest expense | 444,000 | 947,000 | 1,438,000 | 2,093,000 |
| Provision for loan losses | 149,000 | 304,000 | 337,000 | 465,000 |
| Pretax income | -343,000 | -626,000 | -704,000 | -1,038,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -343,000 | -626,000 | -704,000 | -1,038,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,265,000 | 14,032,000 | 13,865,000 | 13,531,000 |
| Total capital | 14,474,000 | 14,294,000 | 14,290,000 | 14,084,000 |
| Risk-weighted assets | 15,899,000 | 22,106,000 | 37,224,000 | 50,957,000 |