Call reports 2017
CIVIC BANK & TRUST — 2017
What CIVIC BANK & TRUST reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 174,116,000 | 164,980,000 | 167,150,000 | 164,173,000 |
| Total loans | 121,862,000 | 115,206,000 | 115,269,000 | 118,889,000 |
| Allowance for loan losses | 1,523,000 | 1,526,000 | 1,528,000 | 1,531,000 |
| Securities available for sale | 28,884,000 | 27,877,000 | 29,722,000 | 33,336,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 127,325,000 | 118,326,000 | 124,937,000 | 124,192,000 |
| Interest-bearing deposits | 118,330,000 | 110,102,000 | 116,714,000 | 116,671,000 |
| Noninterest-bearing deposits | 8,995,000 | 8,224,000 | 8,223,000 | 7,521,000 |
| Equity capital | 23,263,000 | 23,738,000 | 23,996,000 | 23,897,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 1,800,000 | 3,656,000 | 5,429,000 | 7,254,000 |
| Interest expense | 362,000 | 732,000 | 1,105,000 | 1,532,000 |
| Net interest income | 1,438,000 | 2,924,000 | 4,324,000 | 5,722,000 |
| Noninterest income | 30,000 | 58,000 | 88,000 | 117,000 |
| Noninterest expense | 1,013,000 | 1,961,000 | 2,906,000 | 3,841,000 |
| Provision for loan losses | 45,000 | 45,000 | 45,000 | 45,000 |
| Pretax income | 410,000 | 976,000 | 1,461,000 | 1,953,000 |
| Income tax | -1,238,000 | -1,024,000 | -845,000 | -451,000 |
| Net income | 1,648,000 | 2,000,000 | 2,306,000 | 2,404,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,084,000 | 23,468,000 | 23,793,000 | 23,914,000 |
| Total capital | 24,607,000 | 24,993,000 | 25,321,000 | 25,445,000 |
| Risk-weighted assets | 129,159,000 | 122,002,000 | 134,450,000 | 136,484,000 |