Call reports 2004
CITIZENS EXCHANGE BANK, THE — 2004
What CITIZENS EXCHANGE BANK, THE reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 49,443,000 | 49,223,000 | 50,123,000 | 52,598,000 |
| Total loans | 26,761,000 | 27,484,000 | 27,811,000 | 28,138,000 |
| Allowance for loan losses | 694,000 | 699,000 | 697,000 | 697,000 |
| Securities available for sale | 13,123,000 | 12,937,000 | 11,512,000 | 13,565,000 |
| Securities held to maturity | 4,239,000 | 3,699,000 | 3,529,000 | 3,419,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 43,033,000 | 42,925,000 | 43,635,000 | 46,099,000 |
| Interest-bearing deposits | 36,299,000 | 36,081,000 | 36,062,000 | 36,785,000 |
| Noninterest-bearing deposits | 6,734,000 | 6,844,000 | 7,573,000 | 9,314,000 |
| Equity capital | 6,091,000 | 6,015,000 | 6,127,000 | 6,217,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 608,000 | 1,200,000 | 1,815,000 | 2,443,000 |
| Interest expense | 233,000 | 456,000 | 678,000 | 906,000 |
| Net interest income | 375,000 | 744,000 | 1,137,000 | 1,537,000 |
| Noninterest income | 38,000 | 85,000 | 135,000 | 182,000 |
| Noninterest expense | 323,000 | 677,000 | 1,036,000 | 1,414,000 |
| Provision for loan losses | 0 | 2,000 | 2,000 | 2,000 |
| Pretax income | 90,000 | 151,000 | 235,000 | 304,000 |
| Income tax | 27,000 | 54,000 | 81,000 | 89,000 |
| Net income | 63,000 | 97,000 | 154,000 | 215,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,019,000 | 6,053,000 | 6,110,000 | 6,162,000 |
| Total capital | 6,352,000 | 6,395,000 | 6,460,000 | 6,506,000 |
| Risk-weighted assets | 26,286,000 | 26,991,000 | 27,670,000 | 27,176,000 |