Call reports 2010
CITIZENS BANK OF ADA — 2010
What CITIZENS BANK OF ADA reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 163,403,000 | 165,792,000 | 167,844,000 | 168,527,000 |
| Total loans | 113,398,000 | 113,740,000 | 118,028,000 | 115,679,000 |
| Allowance for loan losses | 662,000 | 685,000 | 682,000 | 737,000 |
| Securities available for sale | 30,249,000 | 29,184,000 | 28,971,000 | 27,370,000 |
| Securities held to maturity | 2,100,000 | 1,944,000 | 1,944,000 | 1,908,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 119,959,000 | 125,332,000 | 127,093,000 | 130,686,000 |
| Interest-bearing deposits | 84,689,000 | 86,670,000 | 88,371,000 | 92,305,000 |
| Noninterest-bearing deposits | 35,270,000 | 38,662,000 | 38,723,000 | 38,381,000 |
| Equity capital | 17,000,000 | 17,502,000 | 17,924,000 | 16,826,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 2,187,000 | 4,394,000 | 6,503,000 | 8,660,000 |
| Interest expense | 330,000 | 657,000 | 997,000 | 1,322,000 |
| Net interest income | 1,857,000 | 3,737,000 | 5,506,000 | 7,338,000 |
| Noninterest income | 550,000 | 1,133,000 | 1,835,000 | 2,569,000 |
| Noninterest expense | 1,884,000 | 3,817,000 | 5,829,000 | 7,860,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 180,000 |
| Pretax income | 478,000 | 963,000 | 1,377,000 | 1,867,000 |
| Income tax | 3,000 | 6,000 | 9,000 | 12,000 |
| Net income | 475,000 | 957,000 | 1,368,000 | 1,855,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,406,000 | 16,888,000 | 17,299,000 | 16,483,000 |
| Total capital | 17,068,000 | 17,573,000 | 17,981,000 | 17,220,000 |
| Risk-weighted assets | 117,640,000 | 120,207,000 | 122,623,000 | 124,369,000 |