Call reports 2013
CIVIC BANK & TRUST — 2013
What CIVIC BANK & TRUST reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 137,351,000 | 136,538,000 | 141,114,000 | 142,762,000 |
| Total loans | 68,379,000 | 70,115,000 | 69,712,000 | 67,208,000 |
| Allowance for loan losses | 3,619,000 | 3,546,000 | 3,414,000 | 3,391,000 |
| Securities available for sale | 53,290,000 | 54,250,000 | 57,678,000 | 60,308,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 109,398,000 | 107,410,000 | 111,356,000 | 109,935,000 |
| Interest-bearing deposits | 105,980,000 | 103,819,000 | 107,410,000 | 106,274,000 |
| Noninterest-bearing deposits | 3,418,000 | 3,591,000 | 3,946,000 | 3,661,000 |
| Equity capital | 18,691,000 | 17,727,000 | 17,356,000 | 17,349,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,435,000 | 2,908,000 | 4,330,000 | 6,007,000 |
| Interest expense | 348,000 | 648,000 | 952,000 | 1,256,000 |
| Net interest income | 1,087,000 | 2,260,000 | 3,378,000 | 4,751,000 |
| Noninterest income | 62,000 | 114,000 | 145,000 | 198,000 |
| Noninterest expense | 891,000 | 1,817,000 | 2,813,000 | 3,918,000 |
| Provision for loan losses | -105,000 | -175,000 | -300,000 | -330,000 |
| Pretax income | 363,000 | 824,000 | 1,102,000 | 1,460,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 363,000 | 824,000 | 1,102,000 | 1,460,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,327,000 | 17,787,000 | 18,066,000 | 18,425,000 |
| Total capital | 18,401,000 | 18,867,000 | 19,148,000 | 19,475,000 |
| Risk-weighted assets | 83,406,000 | 83,856,000 | 84,242,000 | 83,587,000 |