Call reports 2009
CITIZENS BANK OF ADA — 2009
What CITIZENS BANK OF ADA reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 166,219,000 | 168,667,000 | 164,858,000 | 165,591,000 |
| Total loans | 118,706,000 | 117,598,000 | 117,630,000 | 117,320,000 |
| Allowance for loan losses | 595,000 | 626,000 | 617,000 | 630,000 |
| Securities available for sale | 30,591,000 | 29,234,000 | 30,003,000 | 28,976,000 |
| Securities held to maturity | 2,279,000 | 2,135,000 | 2,135,000 | 2,100,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 125,930,000 | 131,052,000 | 121,714,000 | 122,819,000 |
| Interest-bearing deposits | 92,571,000 | 96,540,000 | 88,481,000 | 86,858,000 |
| Noninterest-bearing deposits | 33,359,000 | 34,512,000 | 33,233,000 | 35,961,000 |
| Equity capital | 16,472,000 | 16,852,000 | 17,405,000 | 16,400,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 2,446,000 | 4,801,000 | 7,131,000 | 9,413,000 |
| Interest expense | 528,000 | 988,000 | 1,388,000 | 1,743,000 |
| Net interest income | 1,918,000 | 3,813,000 | 5,743,000 | 7,670,000 |
| Noninterest income | 596,000 | 1,195,000 | 1,853,000 | 2,468,000 |
| Noninterest expense | 1,932,000 | 3,921,000 | 5,896,000 | 7,890,000 |
| Provision for loan losses | 38,000 | 75,000 | 113,000 | 151,000 |
| Pretax income | 544,000 | 1,012,000 | 1,587,000 | 2,097,000 |
| Income tax | 3,000 | 6,000 | 9,000 | 12,000 |
| Net income | 541,000 | 1,006,000 | 1,578,000 | 2,085,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,839,000 | 16,304,000 | 16,876,000 | 15,931,000 |
| Total capital | 16,434,000 | 16,930,000 | 17,493,000 | 16,561,000 |
| Risk-weighted assets | 118,842,000 | 118,004,000 | 118,622,000 | 119,670,000 |
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