Call reports 2015
CIVIC BANK & TRUST — 2015
What CIVIC BANK & TRUST reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 143,565,000 | 142,962,000 | 141,057,000 | 145,004,000 |
| Total loans | 67,994,000 | 71,322,000 | 80,153,000 | 85,691,000 |
| Allowance for loan losses | 1,328,000 | 1,328,000 | 1,328,000 | 1,330,000 |
| Securities available for sale | 60,318,000 | 56,145,000 | 49,759,000 | 48,428,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 110,506,000 | 111,002,000 | 105,227,000 | 104,553,000 |
| Interest-bearing deposits | 102,970,000 | 101,800,000 | 95,686,000 | 97,657,000 |
| Noninterest-bearing deposits | 7,536,000 | 9,202,000 | 9,541,000 | 6,896,000 |
| Equity capital | 21,572,000 | 20,725,000 | 20,972,000 | 20,724,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,307,000 | 2,580,000 | 3,956,000 | 5,403,000 |
| Interest expense | 252,000 | 511,000 | 766,000 | 1,032,000 |
| Net interest income | 1,055,000 | 2,069,000 | 3,190,000 | 4,371,000 |
| Noninterest income | 37,000 | 74,000 | 115,000 | 153,000 |
| Noninterest expense | 1,010,000 | 2,187,000 | 3,658,000 | 5,003,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 82,000 | -44,000 | 236,000 | 117,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 82,000 | -44,000 | 236,000 | 117,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,450,000 | 20,301,000 | 20,581,000 | 20,485,000 |
| Total capital | 21,503,000 | 21,382,000 | 21,722,000 | 21,749,000 |
| Risk-weighted assets | 84,015,000 | 86,282,000 | 91,122,000 | 101,073,000 |