Call reports 2009
CITIZENS EXCHANGE BANK, THE — 2009
What CITIZENS EXCHANGE BANK, THE reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 55,807,000 | 55,415,000 | 57,411,000 | 56,379,000 |
| Total loans | 26,507,000 | 26,656,000 | 27,235,000 | 27,689,000 |
| Allowance for loan losses | 509,000 | 512,000 | 508,000 | 507,000 |
| Securities available for sale | 19,719,000 | 19,658,000 | 17,656,000 | 18,544,000 |
| Securities held to maturity | 2,680,000 | 3,055,000 | 4,202,000 | 4,194,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 47,767,000 | 47,372,000 | 49,892,000 | 48,979,000 |
| Interest-bearing deposits | 39,268,000 | 39,253,000 | 41,909,000 | 39,692,000 |
| Noninterest-bearing deposits | 8,499,000 | 8,119,000 | 7,983,000 | 9,287,000 |
| Equity capital | 7,474,000 | 7,512,000 | 7,171,000 | 7,163,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 688,000 | 1,378,000 | 2,070,000 | 2,747,000 |
| Interest expense | 226,000 | 445,000 | 658,000 | 859,000 |
| Net interest income | 462,000 | 933,000 | 1,412,000 | 1,888,000 |
| Noninterest income | 57,000 | 114,000 | 193,000 | 248,000 |
| Noninterest expense | 403,000 | 833,000 | 1,318,000 | 1,781,000 |
| Provision for loan losses | 47,000 | 50,000 | 50,000 | 50,000 |
| Pretax income | 69,000 | 164,000 | 237,000 | 305,000 |
| Income tax | 21,000 | 41,000 | 62,000 | 70,000 |
| Net income | 48,000 | 123,000 | 175,000 | 235,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,043,000 | 7,118,000 | 6,570,000 | 6,630,000 |
| Total capital | 7,388,000 | 7,463,000 | 6,920,000 | 6,989,000 |
| Risk-weighted assets | 27,402,000 | 27,451,000 | 27,848,000 | 28,540,000 |