Call reports 2015
CITIZENS BANK OF CAPE VINCENT — 2015
What CITIZENS BANK OF CAPE VINCENT reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 59,843,000 | 60,224,000 | 61,643,000 | 61,805,000 |
| Total loans | 30,663,000 | 30,530,000 | 31,522,000 | 32,746,000 |
| Allowance for loan losses | 616,000 | 612,000 | 617,000 | 621,000 |
| Securities available for sale | 19,534,000 | 21,403,000 | 22,398,000 | 23,672,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 53,779,000 | 54,150,000 | 55,408,000 | 55,629,000 |
| Interest-bearing deposits | 43,969,000 | 42,409,000 | 44,692,000 | 44,769,000 |
| Noninterest-bearing deposits | 9,810,000 | 11,741,000 | 10,716,000 | 10,860,000 |
| Equity capital | 5,806,000 | 5,783,000 | 5,939,000 | 5,901,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 516,000 | 1,018,000 | 1,536,000 | 2,071,000 |
| Interest expense | 36,000 | 72,000 | 109,000 | 152,000 |
| Net interest income | 480,000 | 946,000 | 1,427,000 | 1,919,000 |
| Noninterest income | 24,000 | 52,000 | 96,000 | 125,000 |
| Noninterest expense | 411,000 | 786,000 | 1,218,000 | 1,604,000 |
| Provision for loan losses | 25,000 | 30,000 | 35,000 | 40,000 |
| Pretax income | 68,000 | 182,000 | 270,000 | 400,000 |
| Income tax | 4,000 | 14,000 | 32,000 | 50,000 |
| Net income | 64,000 | 168,000 | 238,000 | 350,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,785,000 | 5,888,000 | 5,959,000 | 5,920,000 |
| Total capital | 6,101,000 | 6,211,000 | 6,286,000 | 6,256,000 |
| Risk-weighted assets | 24,996,000 | 25,580,000 | 25,899,000 | 26,592,000 |