Call reports 2014
CIVIC BANK & TRUST — 2014
What CIVIC BANK & TRUST reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 141,385,000 | 142,670,000 | 137,400,000 | 139,877,000 |
| Total loans | 66,813,000 | 69,615,000 | 64,301,000 | 67,605,000 |
| Allowance for loan losses | 3,271,000 | 2,596,000 | 2,305,000 | 1,328,000 |
| Securities available for sale | 60,156,000 | 60,510,000 | 61,202,000 | 61,186,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 108,632,000 | 107,607,000 | 105,061,000 | 107,225,000 |
| Interest-bearing deposits | 104,661,000 | 102,780,000 | 97,974,000 | 99,878,000 |
| Noninterest-bearing deposits | 3,971,000 | 4,827,000 | 7,087,000 | 7,347,000 |
| Equity capital | 18,198,000 | 19,063,000 | 19,575,000 | 21,141,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,351,000 | 2,732,000 | 4,157,000 | 5,467,000 |
| Interest expense | 295,000 | 600,000 | 879,000 | 1,138,000 |
| Net interest income | 1,056,000 | 2,132,000 | 3,278,000 | 4,329,000 |
| Noninterest income | 28,000 | 57,000 | 102,000 | 144,000 |
| Noninterest expense | 967,000 | 1,919,000 | 3,040,000 | 4,036,000 |
| Provision for loan losses | -120,000 | -225,000 | -460,000 | -1,430,000 |
| Pretax income | 298,000 | 601,000 | 903,000 | 1,970,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 298,000 | 601,000 | 903,000 | 1,970,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,723,000 | 19,025,000 | 19,327,000 | 20,370,000 |
| Total capital | 19,773,000 | 20,099,000 | 20,344,000 | 21,406,000 |
| Risk-weighted assets | 83,512,000 | 84,318,000 | 80,705,000 | 84,666,000 |