Call reports 2012
CITIZENS COMMERCE BANK — 2012
What CITIZENS COMMERCE BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 235,103,000 | 231,432,000 | 223,829,000 | 222,045,000 |
| Total loans | 120,777,000 | 117,877,000 | 107,208,000 | 106,668,000 |
| Allowance for loan losses | 5,391,000 | 5,177,000 | 5,001,000 | 4,515,000 |
| Securities available for sale | 58,395,000 | 80,152,000 | 80,696,000 | 90,667,000 |
| Securities held to maturity | 16,210,000 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 190,490,000 | 185,904,000 | 176,779,000 | 180,473,000 |
| Interest-bearing deposits | 174,193,000 | 168,919,000 | 160,751,000 | 164,651,000 |
| Noninterest-bearing deposits | 16,297,000 | 16,985,000 | 16,027,000 | 15,822,000 |
| Equity capital | 8,092,000 | 10,068,000 | 10,185,000 | 10,537,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 2,576,000 | 4,824,000 | 7,130,000 | 9,249,000 |
| Interest expense | 668,000 | 1,311,000 | 1,919,000 | 2,470,000 |
| Net interest income | 1,908,000 | 3,513,000 | 5,211,000 | 6,779,000 |
| Noninterest income | 397,000 | 764,000 | 1,140,000 | 1,761,000 |
| Noninterest expense | 2,454,000 | 4,666,000 | 6,896,000 | 9,178,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 121,000 | 441,000 | 419,000 | 475,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 121,000 | 441,000 | 419,000 | 475,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,603,000 | 9,323,000 | 9,301,000 | 9,357,000 |
| Total capital | 10,209,000 | 10,854,000 | 10,732,000 | 10,797,000 |
| Risk-weighted assets | 124,052,000 | 118,236,000 | 110,277,000 | 111,491,000 |