Call reports 2003
CITIZENS BANK OF ADA — 2003
What CITIZENS BANK OF ADA reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 119,531,000 | 121,064,000 | 122,375,000 | 124,465,000 |
| Total loans | 59,944,000 | 62,501,000 | 68,865,000 | 71,959,000 |
| Allowance for loan losses | 590,000 | 606,000 | 592,000 | 544,000 |
| Securities available for sale | 48,115,000 | 45,154,000 | 41,989,000 | 39,410,000 |
| Securities held to maturity | 1,639,000 | 1,639,000 | 1,140,000 | 1,140,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 101,105,000 | 101,459,000 | 98,917,000 | 100,676,000 |
| Interest-bearing deposits | 80,830,000 | 77,767,000 | 75,709,000 | 78,081,000 |
| Noninterest-bearing deposits | 20,275,000 | 23,692,000 | 23,208,000 | 22,595,000 |
| Equity capital | 14,473,000 | 14,872,000 | 14,790,000 | 13,665,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,592,000 | 3,181,000 | 4,779,000 | 6,349,000 |
| Interest expense | 326,000 | 633,000 | 908,000 | 1,158,000 |
| Net interest income | 1,266,000 | 2,548,000 | 3,871,000 | 5,191,000 |
| Noninterest income | 252,000 | 536,000 | 800,000 | 1,060,000 |
| Noninterest expense | 1,092,000 | 2,219,000 | 3,345,000 | 4,895,000 |
| Provision for loan losses | 25,000 | 40,000 | 40,000 | 41,000 |
| Pretax income | 401,000 | 825,000 | 1,286,000 | 1,315,000 |
| Income tax | 50,000 | 111,000 | 172,000 | 204,000 |
| Net income | 351,000 | 714,000 | 1,114,000 | 1,111,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,954,000 | 13,323,000 | 13,736,000 | 12,753,000 |
| Total capital | 13,544,000 | 13,929,000 | 14,328,000 | 13,297,000 |
| Risk-weighted assets | 62,444,000 | 64,072,000 | 67,979,000 | 69,952,000 |
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