Call reports 2005
CITIZENS BANK OF ADA — 2005
What CITIZENS BANK OF ADA reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 129,024,000 | 132,273,000 | 131,507,000 | 141,033,000 |
| Total loans | 83,032,000 | 83,604,000 | 86,998,000 | 91,484,000 |
| Allowance for loan losses | 556,000 | 569,000 | 584,000 | 534,000 |
| Securities available for sale | 35,409,000 | 35,187,000 | 32,868,000 | 33,763,000 |
| Securities held to maturity | 650,000 | 650,000 | 450,000 | 450,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 106,825,000 | 108,031,000 | 108,816,000 | 114,208,000 |
| Interest-bearing deposits | 77,335,000 | 77,296,000 | 77,982,000 | 84,186,000 |
| Noninterest-bearing deposits | 29,489,000 | 30,735,000 | 30,834,000 | 30,022,000 |
| Equity capital | 13,420,000 | 13,905,000 | 14,248,000 | 13,229,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,592,000 | 3,293,000 | 5,069,000 | 6,942,000 |
| Interest expense | 311,000 | 670,000 | 1,088,000 | 1,599,000 |
| Net interest income | 1,281,000 | 2,623,000 | 3,981,000 | 5,343,000 |
| Noninterest income | 313,000 | 671,000 | 1,216,000 | 1,765,000 |
| Noninterest expense | 1,184,000 | 2,389,000 | 3,641,000 | 5,449,000 |
| Provision for loan losses | 15,000 | 30,000 | 50,000 | 65,000 |
| Pretax income | 395,000 | 875,000 | 1,506,000 | 1,594,000 |
| Income tax | 67,000 | 148,000 | 352,000 | 294,000 |
| Net income | 328,000 | 727,000 | 1,154,000 | 1,300,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,564,000 | 13,963,000 | 14,391,000 | 13,546,000 |
| Total capital | 14,120,000 | 14,532,000 | 14,975,000 | 14,080,000 |
| Risk-weighted assets | 77,806,000 | 78,726,000 | 82,394,000 | 88,483,000 |
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