Call reports 2014
CITIZENS COMMERCE BANK — 2014
What CITIZENS COMMERCE BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 207,957,000 | 213,296,000 | 214,106,000 | 213,856,000 |
| Total loans | 115,122,000 | 118,378,000 | 121,706,000 | 117,417,000 |
| Allowance for loan losses | 2,756,000 | 2,771,000 | 2,666,000 | 2,617,000 |
| Securities available for sale | 72,431,000 | 72,810,000 | 67,569,000 | 65,823,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 171,989,000 | 174,920,000 | 174,840,000 | 174,328,000 |
| Interest-bearing deposits | 155,599,000 | 157,508,000 | 156,015,000 | 156,141,000 |
| Noninterest-bearing deposits | 16,390,000 | 17,412,000 | 18,825,000 | 18,186,000 |
| Equity capital | 6,854,000 | 8,335,000 | 9,056,000 | 9,919,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 2,071,000 | 4,148,000 | 6,204,000 | 8,131,000 |
| Interest expense | 466,000 | 944,000 | 1,421,000 | 1,877,000 |
| Net interest income | 1,605,000 | 3,204,000 | 4,783,000 | 6,254,000 |
| Noninterest income | 256,000 | 611,000 | 912,000 | 1,194,000 |
| Noninterest expense | 1,952,000 | 3,803,000 | 5,621,000 | 7,456,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | -93,000 | 9,000 | 164,000 | 116,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -93,000 | 9,000 | 164,000 | 116,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,948,000 | 11,050,000 | 11,206,000 | 11,158,000 |
| Total capital | 12,483,000 | 12,624,000 | 12,798,000 | 12,722,000 |
| Risk-weighted assets | 121,118,000 | 124,325,000 | 126,022,000 | 123,823,000 |