Call reports 2019
CITIZENS COMMERCE BANK — 2019
What CITIZENS COMMERCE BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 253,424,000 | 255,625,000 | 266,765,000 | 265,675,000 |
| Total loans | 185,380,000 | 183,570,000 | 190,771,000 | 194,602,000 |
| Allowance for loan losses | 1,988,000 | 1,981,000 | 1,989,000 | 1,983,000 |
| Securities available for sale | 42,929,000 | 35,164,000 | 37,561,000 | 42,298,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 220,473,000 | 222,557,000 | 232,712,000 | 232,119,000 |
| Interest-bearing deposits | 189,201,000 | 193,134,000 | 201,348,000 | 197,326,000 |
| Noninterest-bearing deposits | 31,273,000 | 29,423,000 | 31,364,000 | 34,792,000 |
| Equity capital | 25,977,000 | 26,760,000 | 27,400,000 | 27,590,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 2,623,000 | 5,200,000 | 7,903,000 | 10,613,000 |
| Interest expense | 533,000 | 1,111,000 | 1,788,000 | 2,411,000 |
| Net interest income | 2,090,000 | 4,089,000 | 6,115,000 | 8,202,000 |
| Noninterest income | 358,000 | 827,000 | 1,255,000 | 1,640,000 |
| Noninterest expense | 1,895,000 | 3,813,000 | 5,691,000 | 7,648,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 549,000 | 1,098,000 | 1,710,000 | 2,225,000 |
| Income tax | 109,000 | 217,000 | 341,000 | 444,000 |
| Net income | 440,000 | 881,000 | 1,369,000 | 1,781,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,306,000 | 24,849,000 | 25,461,000 | 26,043,000 |
| Total capital | 26,301,000 | 26,838,000 | 27,456,000 | 28,034,000 |
| Risk-weighted assets | 183,507,000 | 179,071,000 | 188,725,000 | 192,699,000 |