Call reports 2021
CITIZENS BANK OF CAPE VINCENT — 2021
What CITIZENS BANK OF CAPE VINCENT reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 81,262,000 | 82,528,000 | 87,204,000 | 84,546,000 |
| Total loans | 38,647,000 | 39,455,000 | 40,307,000 | 40,786,000 |
| Allowance for loan losses | 650,000 | 652,000 | 634,000 | 634,000 |
| Securities available for sale | 34,647,000 | 33,920,000 | 36,011,000 | 36,541,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 73,906,000 | 75,021,000 | 79,696,000 | 77,406,000 |
| Interest-bearing deposits | 51,040,000 | 51,253,000 | 55,813,000 | 54,078,000 |
| Noninterest-bearing deposits | 22,866,000 | 23,768,000 | 23,883,000 | 23,328,000 |
| Equity capital | 7,113,000 | 7,258,000 | 7,269,000 | 6,873,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 593,000 | 1,167,000 | 1,736,000 | 2,264,000 |
| Interest expense | 24,000 | 41,000 | 58,000 | 76,000 |
| Net interest income | 569,000 | 1,126,000 | 1,678,000 | 2,188,000 |
| Noninterest income | 17,000 | 37,000 | 60,000 | 81,000 |
| Noninterest expense | 491,000 | 952,000 | 1,455,000 | 1,941,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 95,000 | 211,000 | 283,000 | 328,000 |
| Income tax | 0 | 17,000 | 33,000 | 31,000 |
| Net income | 95,000 | 194,000 | 250,000 | 297,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,776,000 | 6,874,000 | 6,930,000 | 6,827,000 |
| Total capital | — | 7,273,000 | 7,343,000 | 7,241,000 |
| Risk-weighted assets | — | 31,706,000 | 32,782,000 | 32,939,000 |