Call reports 2005
CITIZENS CITY AND COUNTY BANK — 2005
What CITIZENS CITY AND COUNTY BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 28,206,000 | 27,374,000 | 28,325,000 | 29,648,000 |
| Total loans | 19,032,000 | 20,399,000 | 21,325,000 | 18,217,000 |
| Allowance for loan losses | 306,000 | 311,000 | 306,000 | 320,000 |
| Securities available for sale | 2,952,000 | 2,961,000 | 2,909,000 | 2,855,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 25,623,000 | 24,653,000 | 23,932,000 | 26,281,000 |
| Interest-bearing deposits | 24,052,000 | 23,261,000 | 22,452,000 | 24,272,000 |
| Noninterest-bearing deposits | 1,571,000 | 1,392,000 | 1,480,000 | 2,009,000 |
| Equity capital | 2,396,000 | 2,537,000 | 2,633,000 | 2,661,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 398,000 | 826,000 | 1,276,000 | 1,730,000 |
| Interest expense | 119,000 | 252,000 | 400,000 | 559,000 |
| Net interest income | 279,000 | 574,000 | 876,000 | 1,171,000 |
| Noninterest income | 69,000 | 140,000 | 216,000 | 292,000 |
| Noninterest expense | 240,000 | 482,000 | 735,000 | 1,017,000 |
| Provision for loan losses | 0 | 20,000 | 42,000 | 82,000 |
| Pretax income | 108,000 | 212,000 | 315,000 | 364,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 108,000 | 212,000 | 315,000 | 364,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,490,000 | 2,593,000 | 2,705,000 | 2,754,000 |
| Total capital | 2,732,000 | 2,843,000 | 2,964,000 | 2,997,000 |
| Risk-weighted assets | 19,266,000 | 19,930,000 | 20,695,000 | 19,337,000 |