Call reports 2011
CITIZENS COMMERCE BANK — 2011
What CITIZENS COMMERCE BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 275,025,000 | 256,490,000 | 244,772,000 | 235,850,000 |
| Total loans | 178,574,000 | 164,014,000 | 146,898,000 | 132,770,000 |
| Allowance for loan losses | 8,731,000 | 7,178,000 | 5,886,000 | 5,660,000 |
| Securities available for sale | 45,852,000 | 45,394,000 | 41,553,000 | 47,145,000 |
| Securities held to maturity | 13,041,000 | 12,439,000 | 15,813,000 | 16,622,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 232,022,000 | 214,805,000 | 198,571,000 | 192,147,000 |
| Interest-bearing deposits | 214,364,000 | 199,785,000 | 184,276,000 | 178,244,000 |
| Noninterest-bearing deposits | 17,659,000 | 15,020,000 | 14,295,000 | 13,903,000 |
| Equity capital | 5,868,000 | 6,402,000 | 6,683,000 | 8,259,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 3,269,000 | 6,030,000 | 8,662,000 | 11,074,000 |
| Interest expense | 1,037,000 | 2,014,000 | 2,823,000 | 3,562,000 |
| Net interest income | 2,232,000 | 4,016,000 | 5,839,000 | 7,512,000 |
| Noninterest income | 292,000 | 584,000 | 986,000 | 1,774,000 |
| Noninterest expense | 2,472,000 | 4,823,000 | 7,762,000 | 10,782,000 |
| Provision for loan losses | 1,940,000 | 1,940,000 | 1,940,000 | 1,940,000 |
| Pretax income | -1,815,000 | -1,967,000 | -2,020,000 | -2,567,000 |
| Income tax | 0 | 0 | 0 | -424,000 |
| Net income | -1,815,000 | -1,967,000 | -2,020,000 | -2,143,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,905,000 | 6,795,000 | 6,742,000 | 8,482,000 |
| Total capital | 9,083,000 | 8,763,000 | 8,540,000 | 10,161,000 |
| Risk-weighted assets | 166,695,000 | 151,638,000 | 141,005,000 | 129,704,000 |