Call reports 2007
CITIZENS BANK OF ADA — 2007
What CITIZENS BANK OF ADA reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 159,135,000 | 167,734,000 | 163,115,000 | 166,288,000 |
| Total loans | 106,066,000 | 110,231,000 | 110,068,000 | 109,267,000 |
| Allowance for loan losses | 528,000 | 551,000 | 568,000 | 535,000 |
| Securities available for sale | 34,735,000 | 38,871,000 | 37,715,000 | 36,854,000 |
| Securities held to maturity | 450,000 | 1,515,000 | 1,515,000 | 1,499,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 126,750,000 | 123,843,000 | 124,381,000 | 128,238,000 |
| Interest-bearing deposits | 93,948,000 | 92,091,000 | 94,207,000 | 95,736,000 |
| Noninterest-bearing deposits | 32,803,000 | 31,753,000 | 30,174,000 | 32,502,000 |
| Equity capital | 14,006,000 | 14,365,000 | 15,299,000 | 14,774,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 2,457,000 | 5,111,000 | 7,867,000 | 10,652,000 |
| Interest expense | 975,000 | 2,021,000 | 3,139,000 | 4,168,000 |
| Net interest income | 1,482,000 | 3,090,000 | 4,728,000 | 6,484,000 |
| Noninterest income | 527,000 | 1,046,000 | 1,606,000 | 2,121,000 |
| Noninterest expense | 1,533,000 | 3,062,000 | 4,637,000 | 6,433,000 |
| Provision for loan losses | 23,000 | 45,000 | 68,000 | 90,000 |
| Pretax income | 453,000 | 1,029,000 | 1,629,000 | 2,082,000 |
| Income tax | 21,000 | 43,000 | 64,000 | 114,000 |
| Net income | 432,000 | 986,000 | 1,565,000 | 1,968,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,143,000 | 14,698,000 | 15,276,000 | 14,458,000 |
| Total capital | 14,671,000 | 15,249,000 | 15,844,000 | 14,993,000 |
| Risk-weighted assets | 104,866,000 | 110,646,000 | 111,355,000 | 110,877,000 |
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