Call reports 2006
CITIZENS BANK OF ADA — 2006
What CITIZENS BANK OF ADA reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 143,928,000 | 150,350,000 | 156,285,000 | 162,728,000 |
| Total loans | 93,424,000 | 101,300,000 | 107,734,000 | 108,552,000 |
| Allowance for loan losses | 561,000 | 565,000 | 581,000 | 510,000 |
| Securities available for sale | 37,286,000 | 35,164,000 | 35,963,000 | 34,995,000 |
| Securities held to maturity | 450,000 | 450,000 | 450,000 | 450,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 117,177,000 | 117,209,000 | 119,469,000 | 127,117,000 |
| Interest-bearing deposits | 85,390,000 | 81,767,000 | 85,239,000 | 92,815,000 |
| Noninterest-bearing deposits | 31,787,000 | 35,442,000 | 34,230,000 | 34,302,000 |
| Equity capital | 13,487,000 | 13,689,000 | 14,295,000 | 13,501,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,972,000 | 4,130,000 | 6,526,000 | 9,003,000 |
| Interest expense | 606,000 | 1,324,000 | 2,223,000 | 3,181,000 |
| Net interest income | 1,366,000 | 2,806,000 | 4,303,000 | 5,822,000 |
| Noninterest income | 481,000 | 1,012,000 | 1,552,000 | 2,054,000 |
| Noninterest expense | 1,413,000 | 2,889,000 | 4,381,000 | 6,368,000 |
| Provision for loan losses | 19,000 | 38,000 | 56,000 | 76,000 |
| Pretax income | 415,000 | 891,000 | 1,418,000 | 1,432,000 |
| Income tax | 74,000 | 180,000 | 323,000 | 277,000 |
| Net income | 341,000 | 711,000 | 1,095,000 | 1,155,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,887,000 | 14,258,000 | 14,641,000 | 13,712,000 |
| Total capital | 14,448,000 | 14,823,000 | 15,222,000 | 14,222,000 |
| Risk-weighted assets | 90,347,000 | 97,219,000 | 102,506,000 | 107,949,000 |
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