Call reports 2014
CITIZENS EXCHANGE BANK, THE — 2014
What CITIZENS EXCHANGE BANK, THE reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 63,202,000 | 61,011,000 | 60,110,000 | 63,289,000 |
| Total loans | 27,160,000 | 26,829,000 | 27,829,000 | 27,431,000 |
| Allowance for loan losses | 401,000 | 417,000 | 415,000 | 424,000 |
| Securities available for sale | 14,547,000 | 14,657,000 | 14,659,000 | 15,755,000 |
| Securities held to maturity | 2,111,000 | 2,110,000 | 1,806,000 | 1,805,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 56,116,000 | 53,825,000 | 52,842,000 | 55,992,000 |
| Interest-bearing deposits | 45,095,000 | 43,814,000 | 43,920,000 | 45,921,000 |
| Noninterest-bearing deposits | 11,021,000 | 10,011,000 | 8,922,000 | 10,071,000 |
| Equity capital | 6,859,000 | 6,980,000 | 7,054,000 | 7,103,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 455,000 | 910,000 | 1,386,000 | 1,869,000 |
| Interest expense | 80,000 | 154,000 | 227,000 | 297,000 |
| Net interest income | 375,000 | 756,000 | 1,159,000 | 1,572,000 |
| Noninterest income | 70,000 | 134,000 | 201,000 | 268,000 |
| Noninterest expense | 378,000 | 752,000 | 1,119,000 | 1,562,000 |
| Provision for loan losses | 0 | 15,000 | 15,000 | 65,000 |
| Pretax income | 67,000 | 123,000 | 226,000 | 213,000 |
| Income tax | 2,000 | 28,000 | 58,000 | 53,000 |
| Net income | 65,000 | 95,000 | 168,000 | 160,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,124,000 | 7,152,000 | 7,226,000 | 7,218,000 |
| Total capital | 7,498,000 | 7,520,000 | 7,575,000 | 7,583,000 |
| Risk-weighted assets | 30,772,000 | 31,216,000 | 27,825,000 | 29,150,000 |