Call reports 2005
CITIZENS COMMERCE BANK — 2005
What CITIZENS COMMERCE BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 208,433,000 | 209,716,000 | 215,834,000 | 219,628,000 |
| Total loans | 165,637,000 | 166,933,000 | 171,145,000 | 175,589,000 |
| Allowance for loan losses | 2,091,000 | 2,067,000 | 2,038,000 | 1,998,000 |
| Securities available for sale | 22,549,000 | 22,692,000 | 33,538,000 | 32,469,000 |
| Securities held to maturity | 9,594,000 | 9,580,000 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 163,347,000 | 166,364,000 | 174,561,000 | 177,596,000 |
| Interest-bearing deposits | 150,781,000 | 154,145,000 | 162,107,000 | 165,677,000 |
| Noninterest-bearing deposits | 12,566,000 | 12,220,000 | 12,453,000 | 11,920,000 |
| Equity capital | 15,834,000 | 16,523,000 | 16,755,000 | 17,017,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 3,053,000 | 6,262,000 | 9,634,000 | 13,205,000 |
| Interest expense | 1,172,000 | 2,485,000 | 3,899,000 | 5,486,000 |
| Net interest income | 1,881,000 | 3,777,000 | 5,735,000 | 7,719,000 |
| Noninterest income | 333,000 | 715,000 | 1,160,000 | 1,548,000 |
| Noninterest expense | 1,343,000 | 2,745,000 | 4,206,000 | 5,556,000 |
| Provision for loan losses | 96,000 | 162,000 | 342,000 | 342,000 |
| Pretax income | 771,000 | 1,607,000 | 2,425,000 | 3,447,000 |
| Income tax | 220,000 | 460,000 | 683,000 | 983,000 |
| Net income | 551,000 | 1,147,000 | 1,742,000 | 2,464,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,967,000 | 16,331,000 | 16,763,000 | 17,258,000 |
| Total capital | 18,035,000 | 18,396,000 | 18,801,000 | 19,256,000 |
| Risk-weighted assets | 165,419,000 | 165,182,000 | 168,896,000 | 172,552,000 |