Call reports 2004
CITIZENS BANK OF ADA — 2004
What CITIZENS BANK OF ADA reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 122,363,000 | 123,794,000 | 123,813,000 | 127,694,000 |
| Total loans | 73,056,000 | 74,919,000 | 76,929,000 | 80,232,000 |
| Allowance for loan losses | 587,000 | 607,000 | 614,000 | 560,000 |
| Securities available for sale | 38,084,000 | 38,310,000 | 36,578,000 | 38,094,000 |
| Securities held to maturity | 940,000 | 940,000 | 740,000 | 650,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 102,475,000 | 98,997,000 | 99,162,000 | 104,794,000 |
| Interest-bearing deposits | 77,494,000 | 72,599,000 | 69,709,000 | 77,759,000 |
| Noninterest-bearing deposits | 24,981,000 | 26,398,000 | 29,453,000 | 27,035,000 |
| Equity capital | 14,105,000 | 13,705,000 | 14,379,000 | 13,099,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,531,000 | 3,056,000 | 4,602,000 | 6,182,000 |
| Interest expense | 233,000 | 467,000 | 723,000 | 1,013,000 |
| Net interest income | 1,298,000 | 2,589,000 | 3,879,000 | 5,169,000 |
| Noninterest income | 273,000 | 560,000 | 849,000 | 1,139,000 |
| Noninterest expense | 1,161,000 | 2,350,000 | 3,537,000 | 5,201,000 |
| Provision for loan losses | 9,000 | 18,000 | 27,000 | 37,000 |
| Pretax income | 401,000 | 781,000 | 1,164,000 | 1,070,000 |
| Income tax | 62,000 | 125,000 | 167,000 | 188,000 |
| Net income | 339,000 | 656,000 | 997,000 | 882,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,351,000 | 13,667,000 | 14,008,000 | 12,903,000 |
| Total capital | 13,938,000 | 14,274,000 | 14,622,000 | 13,463,000 |
| Risk-weighted assets | 69,739,000 | 70,925,000 | 71,939,000 | 75,801,000 |
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