Call reports 2012
CITIZENS EXCHANGE BANK, THE — 2012
What CITIZENS EXCHANGE BANK, THE reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 61,373,000 | 59,750,000 | 62,137,000 | 65,337,000 |
| Total loans | 25,229,000 | 25,517,000 | 25,375,000 | 25,804,000 |
| Allowance for loan losses | 429,000 | 428,000 | 429,000 | 431,000 |
| Securities available for sale | 17,079,000 | 16,071,000 | 17,075,000 | 15,013,000 |
| Securities held to maturity | 2,426,000 | 2,895,000 | 2,770,000 | 3,103,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 53,871,000 | 52,254,000 | 54,578,000 | 58,186,000 |
| Interest-bearing deposits | 44,589,000 | 43,588,000 | 44,264,000 | 46,340,000 |
| Noninterest-bearing deposits | 9,282,000 | 8,666,000 | 10,314,000 | 11,846,000 |
| Equity capital | 7,269,000 | 7,294,000 | 7,332,000 | 6,946,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 530,000 | 1,046,000 | 1,556,000 | 2,038,000 |
| Interest expense | 138,000 | 267,000 | 393,000 | 517,000 |
| Net interest income | 392,000 | 779,000 | 1,163,000 | 1,521,000 |
| Noninterest income | 57,000 | 115,000 | 173,000 | 239,000 |
| Noninterest expense | 423,000 | 847,000 | 1,254,000 | 1,682,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 26,000 | 47,000 | 82,000 | 78,000 |
| Income tax | 11,000 | 0 | 0 | -5,000 |
| Net income | 15,000 | 47,000 | 82,000 | 83,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,221,000 | 7,252,000 | 7,288,000 | 6,938,000 |
| Total capital | 7,577,000 | 7,606,000 | 7,647,000 | 7,309,000 |
| Risk-weighted assets | 28,409,000 | 28,243,000 | 28,682,000 | 29,611,000 |