Call reports 2004
CITIZENS BANK OF CAPE VINCENT — 2004
What CITIZENS BANK OF CAPE VINCENT reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 24,640,000 | 25,492,000 | 26,358,000 | 24,984,000 |
| Total loans | 6,619,000 | 6,519,000 | 6,346,000 | 6,301,000 |
| Allowance for loan losses | 60,000 | 60,000 | 52,000 | 51,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 11,397,000 | 12,758,000 | 13,598,000 | 14,076,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 19,926,000 | 20,668,000 | 21,493,000 | 20,091,000 |
| Interest-bearing deposits | 15,037,000 | 15,381,000 | 15,850,000 | 14,715,000 |
| Noninterest-bearing deposits | 4,889,000 | 5,287,000 | 5,643,000 | 5,376,000 |
| Equity capital | 4,685,000 | 4,767,000 | 4,780,000 | 4,831,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 316,000 | 632,000 | 965,000 | 1,277,000 |
| Interest expense | 59,000 | 98,000 | 139,000 | 181,000 |
| Net interest income | 257,000 | 534,000 | 826,000 | 1,096,000 |
| Noninterest income | 13,000 | 27,000 | 43,000 | 56,000 |
| Noninterest expense | 172,000 | 353,000 | 531,000 | 776,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 98,000 | 208,000 | 338,000 | 376,000 |
| Income tax | 20,000 | 48,000 | 77,000 | 64,000 |
| Net income | 78,000 | 160,000 | 261,000 | 312,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,685,000 | 4,767,000 | 4,780,000 | 4,831,000 |
| Total capital | 4,745,000 | 4,827,000 | 4,832,000 | 4,883,000 |
| Risk-weighted assets | 13,007,000 | 13,532,000 | 13,517,000 | 13,161,000 |