Call reports 2011
CITIZENS BANK OF CAPE VINCENT — 2011
What CITIZENS BANK OF CAPE VINCENT reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 47,207,000 | 47,747,000 | 48,735,000 | 49,317,000 |
| Total loans | 26,440,000 | 26,434,000 | 27,817,000 | 28,945,000 |
| Allowance for loan losses | 232,000 | 260,000 | 292,000 | 323,000 |
| Securities available for sale | 11,125,000 | 11,203,000 | 15,176,000 | 15,913,000 |
| Securities held to maturity | 494,000 | 494,000 | 134,000 | 133,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 41,897,000 | 42,257,000 | 43,185,000 | 43,665,000 |
| Interest-bearing deposits | 31,709,000 | 32,934,000 | 33,461,000 | 34,115,000 |
| Noninterest-bearing deposits | 10,188,000 | 9,323,000 | 9,724,000 | 9,550,000 |
| Equity capital | 5,126,000 | 5,257,000 | 5,284,000 | 5,355,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 507,000 | 1,008,000 | 1,513,000 | 2,031,000 |
| Interest expense | 106,000 | 195,000 | 287,000 | 386,000 |
| Net interest income | 401,000 | 813,000 | 1,226,000 | 1,645,000 |
| Noninterest income | 40,000 | 73,000 | 130,000 | 171,000 |
| Noninterest expense | 356,000 | 694,000 | 1,050,000 | 1,411,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 121,000 |
| Pretax income | 55,000 | 132,000 | 216,000 | 284,000 |
| Income tax | 14,000 | 19,000 | 31,000 | 31,000 |
| Net income | 41,000 | 113,000 | 185,000 | 253,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,074,000 | 5,145,000 | 5,128,000 | 5,197,000 |
| Total capital | 5,306,000 | 5,405,000 | 5,407,000 | 5,488,000 |
| Risk-weighted assets | 21,394,000 | 21,523,000 | 22,312,000 | 23,247,000 |