Call reports 2018
CITIZENS COMMERCE BANK — 2018
What CITIZENS COMMERCE BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 227,715,000 | 235,204,000 | 236,176,000 | 247,108,000 |
| Total loans | 160,305,000 | 165,463,000 | 174,628,000 | 178,590,000 |
| Allowance for loan losses | 1,996,000 | 2,080,000 | 2,097,000 | 1,982,000 |
| Securities available for sale | 37,387,000 | 37,117,000 | 36,680,000 | 37,320,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 196,858,000 | 200,297,000 | 204,870,000 | 215,285,000 |
| Interest-bearing deposits | 172,171,000 | 170,961,000 | 173,207,000 | 182,276,000 |
| Noninterest-bearing deposits | 24,687,000 | 29,336,000 | 31,663,000 | 33,009,000 |
| Equity capital | 23,723,000 | 24,518,000 | 24,604,000 | 25,277,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 2,204,000 | 5,248,000 | 7,580,000 | 10,060,000 |
| Interest expense | 308,000 | 647,000 | 1,026,000 | 1,492,000 |
| Net interest income | 1,896,000 | 4,601,000 | 6,554,000 | 8,568,000 |
| Noninterest income | 307,000 | 651,000 | 1,025,000 | 1,385,000 |
| Noninterest expense | 1,812,000 | 3,726,000 | 5,617,000 | 7,610,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 388,000 | 1,522,000 | 1,955,000 | 2,333,000 |
| Income tax | 76,000 | 309,000 | 394,000 | 467,000 |
| Net income | 312,000 | 1,213,000 | 1,561,000 | 1,866,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,811,000 | 22,945,000 | 23,378,000 | 23,751,000 |
| Total capital | 23,811,000 | 25,030,000 | 25,480,000 | 25,740,000 |
| Risk-weighted assets | 163,157,000 | 168,265,000 | 173,064,000 | 176,773,000 |