Call reports 2008
CIVIC BANK & TRUST — 2008
What CIVIC BANK & TRUST reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 99,995,000 | 104,490,000 | 118,712,000 | 123,647,000 |
| Total loans | 71,871,000 | 83,213,000 | 93,865,000 | 94,915,000 |
| Allowance for loan losses | 925,000 | 1,057,000 | 1,551,000 | 4,007,000 |
| Securities available for sale | 21,401,000 | 19,252,000 | 20,248,000 | 20,346,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 69,449,000 | 73,282,000 | 84,741,000 | 90,288,000 |
| Interest-bearing deposits | 62,578,000 | 66,979,000 | 77,377,000 | 85,394,000 |
| Noninterest-bearing deposits | 6,871,000 | 6,303,000 | 7,364,000 | 4,894,000 |
| Equity capital | 13,034,000 | 12,555,000 | 13,211,000 | 13,241,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,554,000 | 3,204,000 | 4,941,000 | 6,669,000 |
| Interest expense | 860,000 | 1,724,000 | 2,639,000 | 3,603,000 |
| Net interest income | 694,000 | 1,480,000 | 2,302,000 | 3,066,000 |
| Noninterest income | 18,000 | 48,000 | 69,000 | 17,000 |
| Noninterest expense | 747,000 | 1,433,000 | 2,342,000 | 3,760,000 |
| Provision for loan losses | 72,000 | 205,000 | 698,000 | 3,489,000 |
| Pretax income | -46,000 | -49,000 | -607,000 | -4,104,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -46,000 | -49,000 | -607,000 | -4,104,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,668,000 | 12,676,000 | 13,119,000 | 12,921,000 |
| Total capital | 13,566,000 | 13,714,000 | 14,278,000 | 14,066,000 |
| Risk-weighted assets | 73,815,000 | 82,306,000 | 92,094,000 | 88,013,000 |