Call reports 2016
CIVIC BANK & TRUST — 2016
What CIVIC BANK & TRUST reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 141,832,000 | 154,616,000 | 164,048,000 | 167,200,000 |
| Total loans | 89,414,000 | 107,443,000 | 120,679,000 | 122,206,000 |
| Allowance for loan losses | 1,332,000 | 1,349,000 | 1,426,000 | 1,474,000 |
| Securities available for sale | 42,541,000 | 37,269,000 | 31,929,000 | 30,004,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 103,168,000 | 114,079,000 | 118,546,000 | 121,984,000 |
| Interest-bearing deposits | 96,002,000 | 105,330,000 | 111,030,000 | 114,604,000 |
| Noninterest-bearing deposits | 7,166,000 | 8,749,000 | 7,516,000 | 7,380,000 |
| Equity capital | 21,292,000 | 21,772,000 | 22,098,000 | 21,590,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,453,000 | 2,953,000 | 4,709,000 | 6,503,000 |
| Interest expense | 284,000 | 569,000 | 902,000 | 1,251,000 |
| Net interest income | 1,169,000 | 2,384,000 | 3,807,000 | 5,252,000 |
| Noninterest income | 35,000 | 71,000 | 115,000 | 146,000 |
| Noninterest expense | 1,114,000 | 2,130,000 | 3,238,000 | 4,542,000 |
| Provision for loan losses | 0 | 15,000 | 90,000 | 135,000 |
| Pretax income | 114,000 | 334,000 | 606,000 | 745,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 114,000 | 334,000 | 606,000 | 745,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,620,000 | 20,923,000 | 21,227,000 | 21,401,000 |
| Total capital | 21,856,000 | 22,272,000 | 22,653,000 | 22,875,000 |
| Risk-weighted assets | 98,801,000 | 114,767,000 | 127,072,000 | 127,691,000 |