Call reports 2010
CITIZENS BANK OF CAPE VINCENT — 2010
What CITIZENS BANK OF CAPE VINCENT reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 43,040,000 | 41,834,000 | 43,897,000 | 44,176,000 |
| Total loans | 25,059,000 | 25,166,000 | 25,597,000 | 26,437,000 |
| Allowance for loan losses | 175,000 | 190,000 | 215,000 | 250,000 |
| Securities available for sale | 10,903,000 | 11,284,000 | 10,824,000 | 11,153,000 |
| Securities held to maturity | 404,000 | 404,000 | 360,000 | 360,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 37,740,000 | 36,368,000 | 38,336,000 | 38,730,000 |
| Interest-bearing deposits | 27,384,000 | 28,931,000 | 29,910,000 | 30,209,000 |
| Noninterest-bearing deposits | 10,356,000 | 7,437,000 | 8,426,000 | 8,521,000 |
| Equity capital | 5,071,000 | 5,197,000 | 5,232,000 | 5,185,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 514,000 | 1,025,000 | 1,539,000 | 2,045,000 |
| Interest expense | 102,000 | 188,000 | 278,000 | 375,000 |
| Net interest income | 412,000 | 837,000 | 1,261,000 | 1,670,000 |
| Noninterest income | 32,000 | 73,000 | 129,000 | 169,000 |
| Noninterest expense | 327,000 | 685,000 | 1,050,000 | 1,374,000 |
| Provision for loan losses | 15,000 | 32,000 | 62,000 | 105,000 |
| Pretax income | 102,000 | 193,000 | 278,000 | 360,000 |
| Income tax | 15,000 | 28,000 | 45,000 | 60,000 |
| Net income | 87,000 | 165,000 | 233,000 | 300,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,996,000 | 5,074,000 | 5,053,000 | 5,120,000 |
| Total capital | 5,171,000 | 5,264,000 | 5,194,000 | 5,370,000 |
| Risk-weighted assets | 22,854,000 | 22,281,000 | 20,809,000 | 20,835,000 |