Call reports 2017
CITIZENS COMMERCE BANK — 2017
What CITIZENS COMMERCE BANK reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 220,668,000 | 222,727,000 | 224,191,000 | 223,160,000 |
| Total loans | 134,621,000 | 147,275,000 | 153,483,000 | 157,486,000 |
| Allowance for loan losses | 2,594,000 | 2,095,000 | 2,073,000 | 2,038,000 |
| Securities available for sale | 50,154,000 | 45,219,000 | 40,169,000 | 38,426,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 178,557,000 | 179,104,000 | 183,036,000 | 194,098,000 |
| Interest-bearing deposits | 155,103,000 | 153,864,000 | 158,979,000 | 168,498,000 |
| Noninterest-bearing deposits | 23,454,000 | 25,240,000 | 24,056,000 | 25,600,000 |
| Equity capital | 17,462,000 | 19,332,000 | 19,608,000 | 23,741,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 1,986,000 | 4,860,000 | 6,979,000 | 9,546,000 |
| Interest expense | 348,000 | 698,000 | 1,053,000 | 1,382,000 |
| Net interest income | 1,638,000 | 4,162,000 | 5,926,000 | 8,164,000 |
| Noninterest income | 288,000 | 742,000 | 1,040,000 | 1,362,000 |
| Noninterest expense | 1,837,000 | 3,677,000 | 5,487,000 | 7,230,000 |
| Provision for loan losses | 0 | -500,000 | -500,000 | -500,000 |
| Pretax income | 84,000 | 1,740,000 | 1,993,000 | 2,809,000 |
| Income tax | 0 | 15,000 | 18,000 | -3,596,000 |
| Net income | 84,000 | 1,725,000 | 1,975,000 | 6,405,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,262,000 | 19,903,000 | 20,154,000 | 21,423,000 |
| Total capital | 19,993,000 | 21,759,000 | 22,043,000 | 23,436,000 |
| Risk-weighted assets | 137,584,000 | 148,213,000 | 150,922,000 | 160,388,000 |