Call reports 2019
CITIZENS BANK OF CAPE VINCENT — 2019
What CITIZENS BANK OF CAPE VINCENT reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 74,550,000 | 69,798,000 | 69,897,000 | 69,520,000 |
| Total loans | 35,489,000 | 35,547,000 | 34,825,000 | 35,137,000 |
| Allowance for loan losses | 627,000 | 637,000 | 667,000 | 633,000 |
| Securities available for sale | 26,803,000 | 28,045,000 | 27,287,000 | 27,570,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 67,932,000 | 62,684,000 | 62,644,000 | 62,459,000 |
| Interest-bearing deposits | 49,545,000 | 45,302,000 | 45,432,000 | 45,770,000 |
| Noninterest-bearing deposits | 18,387,000 | 17,382,000 | 17,212,000 | 16,689,000 |
| Equity capital | 6,422,000 | 6,876,000 | 6,993,000 | 6,738,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 628,000 | 1,271,000 | 1,860,000 | 2,448,000 |
| Interest expense | 47,000 | 89,000 | 129,000 | 171,000 |
| Net interest income | 581,000 | 1,182,000 | 1,731,000 | 2,277,000 |
| Noninterest income | 35,000 | 60,000 | 93,000 | 116,000 |
| Noninterest expense | 488,000 | 912,000 | 1,370,000 | 1,950,000 |
| Provision for loan losses | 25,000 | 55,000 | 85,000 | 224,000 |
| Pretax income | 103,000 | 275,000 | 369,000 | 220,000 |
| Income tax | 9,000 | 40,000 | 50,000 | 8,000 |
| Net income | 94,000 | 235,000 | 319,000 | 212,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,596,000 | 6,737,000 | 6,822,000 | 6,563,000 |
| Total capital | 6,951,000 | 7,097,000 | 7,178,000 | 6,917,000 |
| Risk-weighted assets | 28,161,000 | 28,546,000 | 28,163,000 | 28,030,000 |