Call reports 2016
CITIZENS COMMERCE BANK — 2016
What CITIZENS COMMERCE BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 217,740,000 | 218,748,000 | 220,780,000 | 215,530,000 |
| Total loans | 131,842,000 | 134,185,000 | 132,339,000 | 132,376,000 |
| Allowance for loan losses | 2,587,000 | 2,640,000 | 2,267,000 | 2,598,000 |
| Securities available for sale | 58,269,000 | 53,727,000 | 53,711,000 | 51,373,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 175,239,000 | 176,492,000 | 176,251,000 | 179,747,000 |
| Interest-bearing deposits | 156,212,000 | 155,064,000 | 152,359,000 | 158,274,000 |
| Noninterest-bearing deposits | 19,027,000 | 21,428,000 | 23,892,000 | 21,473,000 |
| Equity capital | 12,431,000 | 13,371,000 | 13,284,000 | 11,979,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 2,289,000 | 4,308,000 | 6,296,000 | 8,434,000 |
| Interest expense | 439,000 | 877,000 | 1,306,000 | 1,727,000 |
| Net interest income | 1,850,000 | 3,431,000 | 4,990,000 | 6,707,000 |
| Noninterest income | 282,000 | 625,000 | 944,000 | 1,243,000 |
| Noninterest expense | 1,848,000 | 3,672,000 | 5,584,000 | 7,388,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 393,000 | 561,000 | 545,000 | 757,000 |
| Income tax | 0 | 4,000 | 4,000 | 4,000 |
| Net income | 393,000 | 557,000 | 541,000 | 753,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,519,000 | 12,682,000 | 12,666,000 | 12,878,000 |
| Total capital | 14,262,000 | 14,478,000 | 14,391,000 | 14,602,000 |
| Risk-weighted assets | 138,537,000 | 142,791,000 | 137,434,000 | 137,049,000 |