Call reports 2011
CIVIC BANK & TRUST — 2011
What CIVIC BANK & TRUST reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 125,205,000 | 124,012,000 | 128,892,000 | 136,174,000 |
| Total loans | 76,508,000 | 76,843,000 | 76,776,000 | 69,419,000 |
| Allowance for loan losses | 3,745,000 | 3,854,000 | 3,969,000 | 3,163,000 |
| Securities available for sale | 42,173,000 | 42,155,000 | 42,398,000 | 45,272,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 102,834,000 | 100,494,000 | 103,061,000 | 110,147,000 |
| Interest-bearing deposits | 99,902,000 | 97,419,000 | 100,575,000 | 107,898,000 |
| Noninterest-bearing deposits | 2,932,000 | 3,075,000 | 2,486,000 | 2,249,000 |
| Equity capital | 14,660,000 | 15,819,000 | 16,835,000 | 16,916,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 1,586,000 | 3,193,000 | 4,780,000 | 6,249,000 |
| Interest expense | 501,000 | 970,000 | 1,405,000 | 1,817,000 |
| Net interest income | 1,085,000 | 2,223,000 | 3,375,000 | 4,432,000 |
| Noninterest income | 21,000 | 29,000 | 47,000 | 69,000 |
| Noninterest expense | 801,000 | 1,583,000 | 2,415,000 | 3,284,000 |
| Provision for loan losses | 90,000 | 180,000 | 300,000 | 420,000 |
| Pretax income | 230,000 | 512,000 | 730,000 | 820,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 230,000 | 512,000 | 730,000 | 820,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,195,000 | 15,645,000 | 15,863,000 | 15,988,000 |
| Total capital | 16,212,000 | 16,625,000 | 16,841,000 | 16,929,000 |
| Risk-weighted assets | 78,660,000 | 82,093,000 | 78,011,000 | 72,999,000 |