Call reports 2007
CIVIC BANK & TRUST — 2007
What CIVIC BANK & TRUST reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 75,756,000 | 82,655,000 | 92,076,000 | 94,771,000 |
| Total loans | 46,602,000 | 55,411,000 | 57,485,000 | 64,254,000 |
| Allowance for loan losses | 651,000 | 789,000 | 805,000 | 888,000 |
| Securities available for sale | 23,175,000 | 23,672,000 | 27,222,000 | 26,466,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 50,020,000 | 48,528,000 | 54,073,000 | 53,104,000 |
| Interest-bearing deposits | 47,038,000 | 46,668,000 | 46,705,000 | 45,191,000 |
| Noninterest-bearing deposits | 2,982,000 | 1,860,000 | 7,368,000 | 7,913,000 |
| Equity capital | 13,318,000 | 12,945,000 | 13,106,000 | 12,902,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,249,000 | 2,609,000 | 4,159,000 | 5,717,000 |
| Interest expense | 735,000 | 1,536,000 | 2,379,000 | 3,189,000 |
| Net interest income | 514,000 | 1,073,000 | 1,780,000 | 2,528,000 |
| Noninterest income | 13,000 | 37,000 | 58,000 | 72,000 |
| Noninterest expense | 651,000 | 1,282,000 | 1,956,000 | 2,986,000 |
| Provision for loan losses | 99,000 | 237,000 | 347,000 | 431,000 |
| Pretax income | -223,000 | -409,000 | -465,000 | -817,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -223,000 | -409,000 | -465,000 | -817,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,307,000 | 13,122,000 | 13,066,000 | 12,714,000 |
| Total capital | 13,890,000 | 13,815,000 | 13,785,000 | 13,517,000 |
| Risk-weighted assets | 51,340,000 | 59,890,000 | 64,024,000 | 66,581,000 |