Call reports 2012
CITIZENS BANK OF CAPE VINCENT — 2012
What CITIZENS BANK OF CAPE VINCENT reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 56,003,000 | 53,460,000 | 53,828,000 | 52,890,000 |
| Total loans | 28,711,000 | 29,099,000 | 29,905,000 | 29,918,000 |
| Allowance for loan losses | 192,000 | 232,000 | 292,000 | 352,000 |
| Securities available for sale | 16,129,000 | 16,977,000 | 18,101,000 | 17,953,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 50,562,000 | 47,834,000 | 48,173,000 | 47,086,000 |
| Interest-bearing deposits | 36,210,000 | 37,381,000 | 37,530,000 | 37,420,000 |
| Noninterest-bearing deposits | 14,352,000 | 10,453,000 | 10,643,000 | 9,666,000 |
| Equity capital | 5,208,000 | 5,353,000 | 5,353,000 | 5,441,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 536,000 | 1,064,000 | 1,595,000 | 2,123,000 |
| Interest expense | 104,000 | 188,000 | 264,000 | 332,000 |
| Net interest income | 432,000 | 876,000 | 1,331,000 | 1,791,000 |
| Noninterest income | 34,000 | 68,000 | 121,000 | 154,000 |
| Noninterest expense | 347,000 | 693,000 | 1,069,000 | 1,437,000 |
| Provision for loan losses | 30,000 | 70,000 | 130,000 | 190,000 |
| Pretax income | 89,000 | 181,000 | 253,000 | 318,000 |
| Income tax | 13,000 | 24,000 | 31,000 | 24,000 |
| Net income | 76,000 | 157,000 | 222,000 | 294,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,180,000 | 5,267,000 | 5,244,000 | 5,315,000 |
| Total capital | 5,372,000 | 5,499,000 | 5,536,000 | 5,623,000 |
| Risk-weighted assets | 24,401,000 | 23,724,000 | 24,005,000 | 23,853,000 |