Call reports 2010
CITIZENS EXCHANGE BANK, THE — 2010
What CITIZENS EXCHANGE BANK, THE reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 55,715,000 | 55,179,000 | 56,900,000 | 57,883,000 |
| Total loans | 26,674,000 | 27,902,000 | 27,405,000 | 27,161,000 |
| Allowance for loan losses | 507,000 | 509,000 | 525,000 | 493,000 |
| Securities available for sale | 17,468,000 | 17,515,000 | 17,444,000 | 13,221,000 |
| Securities held to maturity | 4,004,000 | 4,119,000 | 3,928,000 | 3,927,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 48,260,000 | 47,636,000 | 49,340,000 | 50,534,000 |
| Interest-bearing deposits | 39,542,000 | 40,483,000 | 40,567,000 | 40,995,000 |
| Noninterest-bearing deposits | 8,718,000 | 7,153,000 | 8,773,000 | 9,539,000 |
| Equity capital | 7,173,000 | 7,272,000 | 7,268,000 | 7,187,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 641,000 | 1,272,000 | 1,924,000 | 2,572,000 |
| Interest expense | 185,000 | 372,000 | 559,000 | 743,000 |
| Net interest income | 456,000 | 900,000 | 1,365,000 | 1,829,000 |
| Noninterest income | 52,000 | 116,000 | 182,000 | 240,000 |
| Noninterest expense | 413,000 | 829,000 | 1,285,000 | 1,742,000 |
| Provision for loan losses | 10,000 | 10,000 | 25,000 | 65,000 |
| Pretax income | 78,000 | 170,000 | 230,000 | 255,000 |
| Income tax | 22,000 | 43,000 | 66,000 | 38,000 |
| Net income | 56,000 | 127,000 | 164,000 | 217,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,685,000 | 6,964,000 | 7,002,000 | 7,055,000 |
| Total capital | 7,031,000 | 7,327,000 | 7,360,000 | 7,431,000 |
| Risk-weighted assets | 27,481,000 | 28,871,000 | 28,449,000 | 30,774,000 |