Call reports 2002
CITIZENS BANK OF ADA — 2002
What CITIZENS BANK OF ADA reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 109,889,000 | 112,921,000 | 115,500,000 | 117,294,000 |
| Total loans | 50,673,000 | 53,751,000 | 56,552,000 | 58,120,000 |
| Allowance for loan losses | 790,000 | 748,000 | 546,000 | 576,000 |
| Securities available for sale | 44,903,000 | 44,376,000 | 45,741,000 | 44,671,000 |
| Securities held to maturity | 2,868,000 | 2,693,000 | 2,414,000 | 2,164,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 90,641,000 | 94,293,000 | 95,722,000 | 98,453,000 |
| Interest-bearing deposits | 73,167,000 | 72,478,000 | 75,063,000 | 79,075,000 |
| Noninterest-bearing deposits | 17,474,000 | 21,815,000 | 20,659,000 | 19,378,000 |
| Equity capital | 13,620,000 | 14,426,000 | 15,100,000 | 14,065,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 1,613,000 | 3,229,000 | 4,870,000 | 6,498,000 |
| Interest expense | 391,000 | 777,000 | 1,168,000 | 1,522,000 |
| Net interest income | 1,222,000 | 2,452,000 | 3,702,000 | 4,976,000 |
| Noninterest income | 214,000 | 494,000 | 769,000 | 1,035,000 |
| Noninterest expense | 1,013,000 | 2,069,000 | 3,152,000 | 4,581,000 |
| Provision for loan losses | 15,000 | 40,000 | 70,000 | 100,000 |
| Pretax income | 408,000 | 837,000 | 1,249,000 | 1,330,000 |
| Income tax | 63,000 | 126,000 | 189,000 | 225,000 |
| Net income | 345,000 | 711,000 | 1,060,000 | 1,105,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,796,000 | 13,165,000 | 13,526,000 | 12,593,000 |
| Total capital | 13,563,000 | 13,913,000 | 14,072,000 | 13,169,000 |
| Risk-weighted assets | 61,375,000 | 59,963,000 | 61,439,000 | 62,406,000 |
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