Call reports 2004
CITIZENS COMMERCE BANK — 2004
What CITIZENS COMMERCE BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 184,472,000 | 192,629,000 | 195,873,000 | 202,494,000 |
| Total loans | 144,445,000 | 158,330,000 | 164,199,000 | 163,019,000 |
| Allowance for loan losses | 1,850,000 | 1,908,000 | 2,109,000 | 2,002,000 |
| Securities available for sale | 17,761,000 | 15,950,000 | 10,672,000 | 21,305,000 |
| Securities held to maturity | 9,076,000 | 9,552,000 | 10,122,000 | 9,608,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 145,489,000 | 150,868,000 | 157,270,000 | 161,177,000 |
| Interest-bearing deposits | 135,386,000 | 138,413,000 | 144,832,000 | 146,864,000 |
| Noninterest-bearing deposits | 10,102,000 | 12,455,000 | 12,439,000 | 14,314,000 |
| Equity capital | 15,001,000 | 14,941,000 | 15,548,000 | 15,767,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 2,744,000 | 5,534,000 | 8,441,000 | 11,485,000 |
| Interest expense | 1,004,000 | 1,993,000 | 3,083,000 | 4,207,000 |
| Net interest income | 1,740,000 | 3,541,000 | 5,358,000 | 7,278,000 |
| Noninterest income | 331,000 | 672,000 | 1,043,000 | 1,382,000 |
| Noninterest expense | 1,451,000 | 2,747,000 | 4,017,000 | 5,207,000 |
| Provision for loan losses | 45,000 | 118,000 | 323,000 | 383,000 |
| Pretax income | 753,000 | 1,526,000 | 2,344,000 | 3,354,000 |
| Income tax | 231,000 | 471,000 | 722,000 | 1,037,000 |
| Net income | 522,000 | 1,055,000 | 1,622,000 | 2,317,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,667,000 | 14,997,000 | 15,359,000 | 15,649,000 |
| Total capital | 16,412,000 | 16,892,000 | 17,327,000 | 17,650,000 |
| Risk-weighted assets | 139,501,000 | 151,572,000 | 157,282,000 | 161,001,000 |