Call reports 2015
CITIZENS EXCHANGE BANK, THE — 2015
What CITIZENS EXCHANGE BANK, THE reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 62,090,000 | 59,626,000 | 62,337,000 | 60,747,000 |
| Total loans | 27,490,000 | 28,784,000 | 28,033,000 | 27,308,000 |
| Allowance for loan losses | 423,000 | 422,000 | 424,000 | 430,000 |
| Securities available for sale | 13,954,000 | 13,887,000 | 14,001,000 | 13,892,000 |
| Securities held to maturity | 1,645,000 | 1,645,000 | 1,785,000 | 1,785,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 54,568,000 | 52,097,000 | 54,638,000 | 53,251,000 |
| Interest-bearing deposits | 43,720,000 | 41,833,000 | 43,595,000 | 42,077,000 |
| Noninterest-bearing deposits | 10,848,000 | 10,264,000 | 11,043,000 | 11,174,000 |
| Equity capital | 7,280,000 | 7,282,000 | 7,403,000 | 7,312,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 469,000 | 949,000 | 1,433,000 | 1,902,000 |
| Interest expense | 61,000 | 119,000 | 171,000 | 227,000 |
| Net interest income | 408,000 | 830,000 | 1,262,000 | 1,675,000 |
| Noninterest income | 66,000 | 138,000 | 214,000 | 286,000 |
| Noninterest expense | 409,000 | 825,000 | 1,251,000 | 1,716,000 |
| Provision for loan losses | 10,000 | 20,000 | 30,000 | 75,000 |
| Pretax income | 97,000 | 165,000 | 237,000 | 212,000 |
| Income tax | 13,000 | 38,000 | 57,000 | 58,000 |
| Net income | 84,000 | 127,000 | 180,000 | 154,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,302,000 | 7,344,000 | 7,394,000 | 7,252,000 |
| Total capital | 7,654,000 | 7,714,000 | 7,749,000 | 7,590,000 |
| Risk-weighted assets | 28,057,000 | 29,556,000 | 28,335,000 | 26,981,000 |