Call reports 2010
CIVIC BANK & TRUST — 2010
What CIVIC BANK & TRUST reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 127,289,000 | 126,834,000 | 128,171,000 | 125,661,000 |
| Total loans | 80,733,000 | 82,515,000 | 78,429,000 | 77,547,000 |
| Allowance for loan losses | 2,534,000 | 2,685,000 | 2,754,000 | 3,959,000 |
| Securities available for sale | 28,019,000 | 31,576,000 | 39,544,000 | 42,078,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 100,806,000 | 103,840,000 | 104,877,000 | 104,540,000 |
| Interest-bearing deposits | 96,697,000 | 94,182,000 | 101,414,000 | 101,492,000 |
| Noninterest-bearing deposits | 4,109,000 | 9,658,000 | 3,463,000 | 3,048,000 |
| Equity capital | 13,028,000 | 13,431,000 | 14,091,000 | 13,253,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 1,539,000 | 3,196,000 | 4,724,000 | 6,332,000 |
| Interest expense | 654,000 | 1,288,000 | 1,868,000 | 2,423,000 |
| Net interest income | 885,000 | 1,908,000 | 2,856,000 | 3,909,000 |
| Noninterest income | 13,000 | 39,000 | 57,000 | 75,000 |
| Noninterest expense | 831,000 | 1,636,000 | 2,471,000 | 3,396,000 |
| Provision for loan losses | 390,000 | 540,000 | 1,780,000 | 3,240,000 |
| Pretax income | -286,000 | 102,000 | -925,000 | -2,239,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -286,000 | 102,000 | -925,000 | -2,239,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,773,000 | 13,161,000 | 13,533,000 | 14,060,000 |
| Total capital | 13,805,000 | 14,237,000 | 14,585,000 | 15,129,000 |
| Risk-weighted assets | 82,567,000 | 84,559,000 | 82,476,000 | 82,146,000 |