Call reports 2021
CITIZENS COMMERCE BANK — 2021
What CITIZENS COMMERCE BANK reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 310,570,000 | 307,706,000 | 313,899,000 | 313,856,000 |
| Total loans | 230,384,000 | 221,635,000 | 230,663,000 | 236,805,000 |
| Allowance for loan losses | 2,660,000 | 2,697,000 | 2,797,000 | 2,865,000 |
| Securities available for sale | 45,862,000 | 46,360,000 | 49,320,000 | 46,652,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 275,279,000 | 269,489,000 | 274,663,000 | 275,902,000 |
| Interest-bearing deposits | 216,952,000 | 214,871,000 | 216,322,000 | 220,410,000 |
| Noninterest-bearing deposits | 58,327,000 | 54,618,000 | 58,341,000 | 55,492,000 |
| Equity capital | 29,507,000 | 32,131,000 | 33,044,000 | 32,931,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 2,732,000 | 7,440,000 | 10,653,000 | 13,426,000 |
| Interest expense | 247,000 | 467,000 | 673,000 | 860,000 |
| Net interest income | 2,485,000 | 6,973,000 | 9,980,000 | 12,566,000 |
| Noninterest income | 542,000 | 1,076,000 | 1,613,000 | 2,086,000 |
| Noninterest expense | 2,049,000 | 4,150,000 | 6,273,000 | 8,368,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 180,000 |
| Pretax income | 934,000 | 3,804,000 | 5,187,000 | 6,154,000 |
| Income tax | 237,000 | 957,000 | 1,305,000 | 1,586,000 |
| Net income | 697,000 | 2,847,000 | 3,882,000 | 4,568,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,091,000 | 31,690,000 | 32,584,000 | 33,283,000 |