Call reports 2006
CITIZENS BANK OF CAPE VINCENT — 2006
What CITIZENS BANK OF CAPE VINCENT reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 25,519,000 | 25,690,000 | 26,439,000 | 24,893,000 |
| Total loans | 6,500,000 | 8,037,000 | 8,902,000 | 9,559,000 |
| Allowance for loan losses | 50,000 | 50,000 | 50,000 | 51,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 13,198,000 | 12,082,000 | 12,129,000 | 11,527,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 20,560,000 | 20,645,000 | 21,391,000 | 19,667,000 |
| Interest-bearing deposits | 14,790,000 | 14,777,000 | 14,578,000 | 13,667,000 |
| Noninterest-bearing deposits | 5,770,000 | 5,868,000 | 6,813,000 | 6,000,000 |
| Equity capital | 4,927,000 | 5,005,000 | 4,830,000 | 4,871,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 336,000 | 670,000 | 1,024,000 | 1,373,000 |
| Interest expense | 46,000 | 90,000 | 134,000 | 183,000 |
| Net interest income | 290,000 | 580,000 | 890,000 | 1,190,000 |
| Noninterest income | 10,000 | 23,000 | 38,000 | 54,000 |
| Noninterest expense | 232,000 | 456,000 | 911,000 | 1,196,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 68,000 | 147,000 | 17,000 | 48,000 |
| Income tax | 12,000 | 13,000 | -30,000 | -40,000 |
| Net income | 56,000 | 134,000 | 47,000 | 88,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,927,000 | 5,005,000 | 4,830,000 | 4,871,000 |
| Total capital | 4,978,000 | 5,055,000 | 4,881,000 | 4,922,000 |
| Risk-weighted assets | 13,153,000 | 13,612,000 | 14,173,000 | 13,976,000 |