Call reports 2003
CITIZENS COMMERCE BANK — 2003
What CITIZENS COMMERCE BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 158,002,000 | 169,050,000 | 175,381,000 | 180,211,000 |
| Total loans | 129,172,000 | 138,779,000 | 139,357,000 | 138,674,000 |
| Allowance for loan losses | 1,628,000 | 1,669,000 | 1,791,000 | 1,777,000 |
| Securities available for sale | 13,365,000 | 14,067,000 | 19,529,000 | 21,123,000 |
| Securities held to maturity | 4,483,000 | 5,951,000 | 8,181,000 | 11,029,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 128,697,000 | 133,195,000 | 135,263,000 | 138,492,000 |
| Interest-bearing deposits | 120,792,000 | 122,873,000 | 124,524,000 | 127,242,000 |
| Noninterest-bearing deposits | 7,905,000 | 10,322,000 | 10,739,000 | 11,250,000 |
| Equity capital | 11,113,000 | 13,487,000 | 13,879,000 | 14,414,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 2,547,000 | 5,171,000 | 7,864,000 | 10,540,000 |
| Interest expense | 1,050,000 | 2,085,000 | 3,101,000 | 4,126,000 |
| Net interest income | 1,497,000 | 3,086,000 | 4,763,000 | 6,414,000 |
| Noninterest income | 407,000 | 876,000 | 1,345,000 | 1,687,000 |
| Noninterest expense | 1,096,000 | 2,258,000 | 3,437,000 | 4,614,000 |
| Provision for loan losses | 255,000 | 355,000 | 495,000 | 560,000 |
| Pretax income | 759,000 | 1,567,000 | 2,410,000 | 3,211,000 |
| Income tax | 231,000 | 472,000 | 727,000 | 987,000 |
| Net income | 528,000 | 1,095,000 | 1,683,000 | 2,224,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,927,000 | 13,050,000 | 13,614,000 | 14,152,000 |
| Total capital | 12,454,000 | 14,690,000 | 15,270,000 | 15,827,000 |
| Risk-weighted assets | 121,953,000 | 131,197,000 | 132,350,000 | 133,863,000 |