Call reports 2013
CITIZENS EXCHANGE BANK, THE — 2013
What CITIZENS EXCHANGE BANK, THE reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 64,850,000 | 61,259,000 | 59,890,000 | 63,836,000 |
| Total loans | 25,183,000 | 25,450,000 | 26,258,000 | 26,948,000 |
| Allowance for loan losses | 433,000 | 420,000 | 371,000 | 400,000 |
| Securities available for sale | 18,990,000 | 14,460,000 | 13,469,000 | 14,362,000 |
| Securities held to maturity | 3,028,000 | 2,976,000 | 2,660,000 | 2,637,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 57,670,000 | 54,352,000 | 52,921,000 | 56,942,000 |
| Interest-bearing deposits | 46,252,000 | 44,493,000 | 43,521,000 | 45,975,000 |
| Noninterest-bearing deposits | 11,418,000 | 9,859,000 | 9,400,000 | 10,967,000 |
| Equity capital | 6,943,000 | 6,690,000 | 6,750,000 | 6,683,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 447,000 | 913,000 | 1,368,000 | 1,853,000 |
| Interest expense | 110,000 | 212,000 | 309,000 | 400,000 |
| Net interest income | 337,000 | 701,000 | 1,059,000 | 1,453,000 |
| Noninterest income | 62,000 | 129,000 | 200,000 | 267,000 |
| Noninterest expense | 385,000 | 758,000 | 1,130,000 | 1,544,000 |
| Provision for loan losses | 0 | 0 | 0 | 30,000 |
| Pretax income | 14,000 | 72,000 | 129,000 | 146,000 |
| Income tax | 3,000 | 4,000 | 6,000 | 26,000 |
| Net income | 11,000 | 68,000 | 123,000 | 120,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,949,000 | 7,006,000 | 7,061,000 | 7,058,000 |
| Total capital | 7,255,000 | 7,367,000 | 7,424,000 | 7,437,000 |
| Risk-weighted assets | 24,352,000 | 28,794,000 | 29,032,000 | 31,675,000 |