Call reports 2009
CITIZENS BANK OF CAPE VINCENT — 2009
What CITIZENS BANK OF CAPE VINCENT reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 36,971,000 | 39,104,000 | 40,218,000 | 40,936,000 |
| Total loans | 21,834,000 | 23,393,000 | 24,149,000 | 24,632,000 |
| Allowance for loan losses | 100,000 | 116,000 | 160,000 | 175,000 |
| Securities available for sale | 10,685,000 | 10,588,000 | 10,708,000 | 10,638,000 |
| Securities held to maturity | 49,000 | 49,000 | 404,000 | 404,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 31,874,000 | 33,842,000 | 34,818,000 | 35,525,000 |
| Interest-bearing deposits | 24,311,000 | 25,666,000 | 26,462,000 | 26,585,000 |
| Noninterest-bearing deposits | 7,563,000 | 8,176,000 | 8,356,000 | 8,940,000 |
| Equity capital | 4,922,000 | 5,067,000 | 5,175,000 | 5,088,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 486,000 | 970,000 | 1,488,000 | 1,986,000 |
| Interest expense | 115,000 | 223,000 | 330,000 | 434,000 |
| Net interest income | 371,000 | 747,000 | 1,158,000 | 1,552,000 |
| Noninterest income | 25,000 | 61,000 | 98,000 | 140,000 |
| Noninterest expense | 326,000 | 651,000 | 965,000 | 1,341,000 |
| Provision for loan losses | 15,000 | 36,000 | 86,000 | 102,000 |
| Pretax income | 55,000 | 121,000 | 260,000 | 303,000 |
| Income tax | 3,000 | 8,000 | 29,000 | 37,000 |
| Net income | 52,000 | 113,000 | 231,000 | 266,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,870,000 | 4,931,000 | 4,961,000 | 4,996,000 |
| Total capital | 4,970,000 | 5,047,000 | 5,121,000 | 5,171,000 |
| Risk-weighted assets | 21,374,000 | 22,288,000 | 21,674,000 | 22,123,000 |