Call reports 2009
CIVIC BANK & TRUST — 2009
What CIVIC BANK & TRUST reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 132,632,000 | 132,559,000 | 123,659,000 | 120,888,000 |
| Total loans | 93,130,000 | 90,334,000 | 84,385,000 | 82,558,000 |
| Allowance for loan losses | 2,721,000 | 2,479,000 | 2,250,000 | 2,145,000 |
| Securities available for sale | 19,832,000 | 22,943,000 | 29,369,000 | 28,688,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 97,784,000 | 95,030,000 | 93,941,000 | 95,607,000 |
| Interest-bearing deposits | 93,039,000 | 90,918,000 | 89,673,000 | 91,921,000 |
| Noninterest-bearing deposits | 4,745,000 | 4,112,000 | 4,268,000 | 3,686,000 |
| Equity capital | 13,315,000 | 13,055,000 | 13,155,000 | 13,185,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,632,000 | 3,259,000 | 5,040,000 | 6,689,000 |
| Interest expense | 929,000 | 1,817,000 | 2,646,000 | 3,363,000 |
| Net interest income | 703,000 | 1,442,000 | 2,394,000 | 3,326,000 |
| Noninterest income | 26,000 | 29,000 | 53,000 | 71,000 |
| Noninterest expense | 741,000 | 1,539,000 | 2,491,000 | 3,275,000 |
| Provision for loan losses | 0 | 0 | 175,000 | 175,000 |
| Pretax income | 5,000 | 31,000 | -120,000 | 153,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 5,000 | 31,000 | -120,000 | 153,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,911,000 | 12,938,000 | 12,787,000 | 13,059,000 |
| Total capital | 14,076,000 | 14,067,000 | 13,842,000 | 14,100,000 |
| Risk-weighted assets | 92,758,000 | 91,791,000 | 88,444,000 | 82,205,000 |