Call reports 2005
CITIZENS BANK OF CAPE VINCENT — 2005
What CITIZENS BANK OF CAPE VINCENT reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 24,509,000 | 26,969,000 | 27,665,000 | 25,344,000 |
| Total loans | 6,152,000 | 6,150,000 | 6,008,000 | 6,208,000 |
| Allowance for loan losses | 51,000 | 51,000 | 51,000 | 51,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 14,057,000 | 13,888,000 | 13,804,000 | 13,202,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 19,635,000 | 22,008,000 | 22,703,000 | 20,359,000 |
| Interest-bearing deposits | 14,865,000 | 15,880,000 | 15,780,000 | 14,755,000 |
| Noninterest-bearing deposits | 4,770,000 | 6,128,000 | 6,923,000 | 5,604,000 |
| Equity capital | 4,824,000 | 4,924,000 | 4,918,000 | 4,959,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 322,000 | 643,000 | 969,000 | 1,294,000 |
| Interest expense | 42,000 | 82,000 | 124,000 | 170,000 |
| Net interest income | 280,000 | 561,000 | 845,000 | 1,124,000 |
| Noninterest income | 11,000 | 23,000 | 36,000 | 49,000 |
| Noninterest expense | 193,000 | 370,000 | 573,000 | 836,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 98,000 | 214,000 | 308,000 | 337,000 |
| Income tax | 17,000 | 33,000 | 44,000 | 33,000 |
| Net income | 81,000 | 181,000 | 264,000 | 304,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,824,000 | 4,924,000 | 4,918,000 | 4,959,000 |
| Total capital | 4,876,000 | 4,975,000 | 4,969,000 | 5,010,000 |
| Risk-weighted assets | 13,053,000 | 13,439,000 | 13,520,000 | 12,794,000 |