Call reports 2011
CITIZENS EXCHANGE BANK, THE — 2011
What CITIZENS EXCHANGE BANK, THE reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 57,916,000 | 57,687,000 | 59,165,000 | 61,095,000 |
| Total loans | 26,193,000 | 26,103,000 | 25,940,000 | 25,646,000 |
| Allowance for loan losses | 486,000 | 478,000 | 456,000 | 425,000 |
| Securities available for sale | 17,110,000 | 17,201,000 | 11,223,000 | 17,163,000 |
| Securities held to maturity | 3,629,000 | 3,629,000 | 3,366,000 | 3,279,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 50,503,000 | 50,151,000 | 51,554,000 | 53,589,000 |
| Interest-bearing deposits | 40,927,000 | 42,769,000 | 43,777,000 | 45,598,000 |
| Noninterest-bearing deposits | 9,576,000 | 7,382,000 | 7,777,000 | 7,991,000 |
| Equity capital | 7,167,000 | 7,287,000 | 7,339,000 | 7,304,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 565,000 | 1,140,000 | 1,720,000 | 2,260,000 |
| Interest expense | 168,000 | 327,000 | 483,000 | 637,000 |
| Net interest income | 397,000 | 813,000 | 1,237,000 | 1,623,000 |
| Noninterest income | 54,000 | 111,000 | 165,000 | 224,000 |
| Noninterest expense | 395,000 | 794,000 | 1,223,000 | 1,667,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 56,000 | 130,000 | 179,000 | 180,000 |
| Income tax | 8,000 | 18,000 | 29,000 | 29,000 |
| Net income | 48,000 | 112,000 | 150,000 | 151,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,102,000 | 7,167,000 | 7,205,000 | 7,206,000 |
| Total capital | 7,471,000 | 7,535,000 | 7,575,000 | 7,570,000 |
| Risk-weighted assets | 30,392,000 | 30,275,000 | 29,510,000 | 29,042,000 |