Call reports 2005
CITIZENS EXCHANGE BANK, THE — 2005
What CITIZENS EXCHANGE BANK, THE 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 | 50,681,000 | 50,021,000 | 49,075,000 | 50,072,000 |
| Total loans | 26,566,000 | 27,633,000 | 27,820,000 | 27,602,000 |
| Allowance for loan losses | 668,000 | 685,000 | 677,000 | 673,000 |
| Securities available for sale | 12,561,000 | 13,548,000 | 11,415,000 | 14,334,000 |
| Securities held to maturity | 3,229,000 | 3,229,000 | 3,326,000 | 3,531,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 44,056,000 | 43,337,000 | 42,358,000 | 43,537,000 |
| Interest-bearing deposits | 35,815,000 | 36,538,000 | 35,808,000 | 36,267,000 |
| Noninterest-bearing deposits | 8,241,000 | 6,799,000 | 6,550,000 | 7,270,000 |
| Equity capital | 6,315,000 | 6,364,000 | 6,361,000 | 6,296,000 |
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 | 621,000 | 1,272,000 | 1,962,000 | 2,666,000 |
| Interest expense | 222,000 | 445,000 | 674,000 | 911,000 |
| Net interest income | 399,000 | 827,000 | 1,288,000 | 1,755,000 |
| Noninterest income | 43,000 | 100,000 | 161,000 | 221,000 |
| Noninterest expense | 322,000 | 689,000 | 1,091,000 | 1,628,000 |
| Provision for loan losses | 0 | 35,000 | 35,000 | 35,000 |
| Pretax income | 120,000 | 203,000 | 323,000 | 313,000 |
| Income tax | 26,000 | 53,000 | 81,000 | 88,000 |
| Net income | 94,000 | 150,000 | 242,000 | 225,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,256,000 | 6,312,000 | 6,404,000 | 6,386,000 |
| Total capital | 6,584,000 | 6,651,000 | 6,751,000 | 6,733,000 |
| Risk-weighted assets | 25,930,000 | 26,744,000 | 27,468,000 | 27,399,000 |