Call reports 2010
CITIZENS COMMERCE BANK — 2010
What CITIZENS COMMERCE BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 329,231,000 | 309,848,000 | 296,583,000 | 297,097,000 |
| Total loans | 235,230,000 | 224,840,000 | 216,088,000 | 195,987,000 |
| Allowance for loan losses | 9,040,000 | 8,603,000 | 8,170,000 | 7,818,000 |
| Securities available for sale | 37,986,000 | 26,537,000 | 30,706,000 | 35,365,000 |
| Securities held to maturity | 18,973,000 | 17,261,000 | 14,487,000 | 13,859,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 277,866,000 | 261,196,000 | 249,842,000 | 248,184,000 |
| Interest-bearing deposits | 262,003,000 | 245,917,000 | 228,925,000 | 227,253,000 |
| Noninterest-bearing deposits | 15,863,000 | 15,279,000 | 20,918,000 | 20,931,000 |
| Equity capital | 12,992,000 | 11,279,000 | 9,969,000 | 7,716,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 3,870,000 | 7,600,000 | 10,954,000 | 13,876,000 |
| Interest expense | 1,869,000 | 3,644,000 | 5,169,000 | 6,582,000 |
| Net interest income | 2,001,000 | 3,956,000 | 5,785,000 | 7,294,000 |
| Noninterest income | 404,000 | 1,058,000 | 1,531,000 | 1,894,000 |
| Noninterest expense | 2,284,000 | 5,549,000 | 8,548,000 | 11,409,000 |
| Provision for loan losses | 3,250,000 | 4,975,000 | 5,975,000 | 6,285,000 |
| Pretax income | -2,613,000 | -4,580,000 | -5,537,000 | -6,825,000 |
| Income tax | 0 | 0 | 0 | -12,000 |
| Net income | -2,613,000 | -4,580,000 | -5,537,000 | -6,813,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,608,000 | 10,718,000 | 9,632,000 | 8,717,000 |
| Total capital | 15,481,000 | 13,448,000 | 12,203,000 | 11,080,000 |
| Risk-weighted assets | 223,082,000 | 211,694,000 | 199,606,000 | 182,896,000 |