Call reports 2013
CITIZENS COMMERCE BANK — 2013
What CITIZENS COMMERCE BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 216,747,000 | 204,750,000 | 203,303,000 | 208,566,000 |
| Total loans | 105,041,000 | 105,857,000 | 106,848,000 | 111,748,000 |
| Allowance for loan losses | 4,473,000 | 4,394,000 | 4,408,000 | 2,855,000 |
| Securities available for sale | 89,169,000 | 72,934,000 | 73,638,000 | 71,640,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 176,618,000 | 168,034,000 | 167,205,000 | 172,938,000 |
| Interest-bearing deposits | 159,781,000 | 152,600,000 | 150,270,000 | 157,176,000 |
| Noninterest-bearing deposits | 16,837,000 | 15,435,000 | 16,935,000 | 15,762,000 |
| Equity capital | 9,526,000 | 5,521,000 | 4,691,000 | 5,021,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 2,065,000 | 4,031,000 | 6,053,000 | 8,107,000 |
| Interest expense | 507,000 | 1,005,000 | 1,497,000 | 1,983,000 |
| Net interest income | 1,558,000 | 3,026,000 | 4,556,000 | 6,124,000 |
| Noninterest income | 306,000 | 707,000 | 1,102,000 | 1,371,000 |
| Noninterest expense | 2,101,000 | 4,206,000 | 6,218,000 | 8,091,000 |
| Provision for loan losses | 0 | 0 | 0 | -1,500,000 |
| Pretax income | 156,000 | 307,000 | 218,000 | 1,682,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 156,000 | 307,000 | 218,000 | 1,682,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,513,000 | 9,666,000 | 9,578,000 | 11,041,000 |
| Total capital | 10,954,000 | 11,093,000 | 11,014,000 | 12,534,000 |
| Risk-weighted assets | 111,585,000 | 110,564,000 | 111,271,000 | 117,652,000 |