Call reports 2012
CIVIC BANK & TRUST — 2012
What CIVIC BANK & TRUST reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 135,090,000 | 131,917,000 | 134,708,000 | 137,176,000 |
| Total loans | 71,241,000 | 72,608,000 | 69,859,000 | 72,171,000 |
| Allowance for loan losses | 3,604,000 | 3,929,000 | 3,941,000 | 3,804,000 |
| Securities available for sale | 53,249,000 | 46,700,000 | 50,160,000 | 51,128,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 108,706,000 | 106,926,000 | 109,169,000 | 111,516,000 |
| Interest-bearing deposits | 106,258,000 | 103,631,000 | 106,353,000 | 107,765,000 |
| Noninterest-bearing deposits | 2,448,000 | 3,295,000 | 2,816,000 | 3,751,000 |
| Equity capital | 17,230,000 | 17,644,000 | 18,128,000 | 18,319,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,560,000 | 3,050,000 | 4,574,000 | 6,030,000 |
| Interest expense | 383,000 | 748,000 | 1,125,000 | 1,484,000 |
| Net interest income | 1,177,000 | 2,302,000 | 3,449,000 | 4,546,000 |
| Noninterest income | 21,000 | 42,000 | 88,000 | 168,000 |
| Noninterest expense | 823,000 | 1,695,000 | 2,550,000 | 3,601,000 |
| Provision for loan losses | 175,000 | 235,000 | 235,000 | 235,000 |
| Pretax income | 195,000 | 401,000 | 739,000 | 978,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 195,000 | 401,000 | 739,000 | 978,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,182,000 | 16,389,000 | 16,727,000 | 16,966,000 |
| Total capital | 17,200,000 | 17,425,000 | 17,710,000 | 17,967,000 |
| Risk-weighted assets | 78,825,000 | 80,007,000 | 74,690,000 | 77,312,000 |