Call reports 2006
CITIZENS COMMERCE BANK — 2006
What CITIZENS COMMERCE BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 218,415,000 | 220,881,000 | 224,162,000 | 233,664,000 |
| Total loans | 174,359,000 | 178,731,000 | 184,608,000 | 185,580,000 |
| Allowance for loan losses | 2,141,000 | 2,126,000 | 2,216,000 | 2,265,000 |
| Securities available for sale | 32,278,000 | 31,751,000 | 28,817,000 | 29,814,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 179,370,000 | 182,100,000 | 184,674,000 | 184,082,000 |
| Interest-bearing deposits | 168,308,000 | 170,615,000 | 170,388,000 | 170,145,000 |
| Noninterest-bearing deposits | 11,062,000 | 11,486,000 | 14,286,000 | 13,937,000 |
| Equity capital | 17,327,000 | 17,446,000 | 18,148,000 | 18,453,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 3,621,000 | 7,372,000 | 11,327,000 | 15,454,000 |
| Interest expense | 1,675,000 | 3,476,000 | 5,500,000 | 7,657,000 |
| Net interest income | 1,946,000 | 3,896,000 | 5,827,000 | 7,797,000 |
| Noninterest income | 359,000 | 970,000 | 1,382,000 | 1,820,000 |
| Noninterest expense | 1,469,000 | 2,943,000 | 4,358,000 | 5,889,000 |
| Provision for loan losses | 90,000 | 180,000 | 250,000 | 350,000 |
| Pretax income | 746,000 | 1,743,000 | 2,651,000 | 3,426,000 |
| Income tax | 203,000 | 494,000 | 755,000 | 978,000 |
| Net income | 543,000 | 1,249,000 | 1,896,000 | 2,448,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,571,000 | 18,046,000 | 18,235,000 | 18,543,000 |
| Total capital | 19,712,000 | 20,172,000 | 20,451,000 | 20,808,000 |
| Risk-weighted assets | 172,303,000 | 178,417,000 | 183,611,000 | 188,501,000 |