Call reports 2015
CITIZENS COMMERCE BANK — 2015
What CITIZENS COMMERCE BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 216,501,000 | 214,170,000 | 218,215,000 | 219,773,000 |
| Total loans | 119,077,000 | 125,702,000 | 126,225,000 | 130,400,000 |
| Allowance for loan losses | 2,607,000 | 2,591,000 | 2,559,000 | 2,575,000 |
| Securities available for sale | 65,835,000 | 63,132,000 | 63,988,000 | 62,462,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 174,701,000 | 174,950,000 | 176,078,000 | 179,248,000 |
| Interest-bearing deposits | 156,099,000 | 152,349,000 | 156,093,000 | 159,333,000 |
| Noninterest-bearing deposits | 18,601,000 | 22,601,000 | 19,985,000 | 19,915,000 |
| Equity capital | 11,334,000 | 10,334,000 | 11,234,000 | 10,805,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,868,000 | 3,864,000 | 5,853,000 | 7,877,000 |
| Interest expense | 443,000 | 881,000 | 1,322,000 | 1,765,000 |
| Net interest income | 1,425,000 | 2,983,000 | 4,531,000 | 6,112,000 |
| Noninterest income | 373,000 | 710,000 | 997,000 | 1,302,000 |
| Noninterest expense | 1,683,000 | 3,527,000 | 5,377,000 | 7,215,000 |
| Provision for loan losses | -550,000 | -550,000 | -550,000 | -668,000 |
| Pretax income | 733,000 | 791,000 | 785,000 | 967,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 733,000 | 791,000 | 785,000 | 967,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,890,000 | 11,949,000 | 11,942,000 | 12,125,000 |
| Total capital | 13,532,000 | 13,617,000 | 13,617,000 | 13,843,000 |
| Risk-weighted assets | 130,348,000 | 132,433,000 | 133,064,000 | 136,527,000 |