Call reports 2008
CITIZENS BANK OF ADA — 2008
What CITIZENS BANK OF ADA reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 168,187,000 | 170,614,000 | 171,101,000 | 176,016,000 |
| Total loans | 107,936,000 | 112,078,000 | 115,666,000 | 121,855,000 |
| Allowance for loan losses | 571,000 | 590,000 | 580,000 | 562,000 |
| Securities available for sale | 39,319,000 | 38,412,000 | 34,653,000 | 35,058,000 |
| Securities held to maturity | 1,499,000 | 2,311,000 | 2,311,000 | 2,279,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 127,889,000 | 127,578,000 | 128,118,000 | 131,132,000 |
| Interest-bearing deposits | 95,856,000 | 93,457,000 | 94,411,000 | 95,907,000 |
| Noninterest-bearing deposits | 32,033,000 | 34,121,000 | 33,707,000 | 35,225,000 |
| Equity capital | 15,748,000 | 15,813,000 | 16,494,000 | 16,061,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 2,707,000 | 5,315,000 | 7,919,000 | 10,510,000 |
| Interest expense | 917,000 | 1,671,000 | 2,382,000 | 3,022,000 |
| Net interest income | 1,790,000 | 3,644,000 | 5,537,000 | 7,488,000 |
| Noninterest income | 547,000 | 1,102,000 | 1,636,000 | 2,162,000 |
| Noninterest expense | 1,754,000 | 3,536,000 | 5,361,000 | 7,291,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 121,000 |
| Pretax income | 553,000 | 1,150,000 | 1,722,000 | 2,238,000 |
| Income tax | 3,000 | 6,000 | 9,000 | 12,000 |
| Net income | 550,000 | 1,144,000 | 1,713,000 | 2,226,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,008,000 | 15,602,000 | 16,171,000 | 15,298,000 |
| Total capital | 15,579,000 | 16,192,000 | 16,751,000 | 15,860,000 |
| Risk-weighted assets | 110,160,000 | 115,613,000 | 120,302,000 | 124,629,000 |
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