Call reports 2011
CITIZENS BANK OF ADA — 2011
What CITIZENS BANK OF ADA reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 213,718,000 | 208,358,000 | 204,931,000 | 203,418,000 |
| Total loans | 110,674,000 | 112,480,000 | 109,962,000 | 110,396,000 |
| Allowance for loan losses | 733,000 | 754,000 | 783,000 | 670,000 |
| Securities available for sale | 25,153,000 | 28,199,000 | 34,772,000 | 37,001,000 |
| Securities held to maturity | 1,908,000 | 1,870,000 | 1,870,000 | 1,832,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 173,575,000 | 168,212,000 | 162,644,000 | 164,400,000 |
| Interest-bearing deposits | 91,536,000 | 94,806,000 | 93,890,000 | 97,281,000 |
| Noninterest-bearing deposits | 82,039,000 | 73,406,000 | 68,754,000 | 67,119,000 |
| Equity capital | 17,144,000 | 17,512,000 | 18,117,000 | 17,056,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 2,016,000 | 4,039,000 | 6,081,000 | 8,104,000 |
| Interest expense | 311,000 | 614,000 | 911,000 | 1,187,000 |
| Net interest income | 1,705,000 | 3,425,000 | 5,170,000 | 6,917,000 |
| Noninterest income | 566,000 | 1,121,000 | 1,749,000 | 2,429,000 |
| Noninterest expense | 1,921,000 | 3,848,000 | 5,828,000 | 7,850,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 182,000 |
| Pretax income | 305,000 | 608,000 | 956,000 | 1,314,000 |
| Income tax | 3,000 | 6,000 | 9,000 | 12,000 |
| Net income | 302,000 | 602,000 | 947,000 | 1,302,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,785,000 | 17,085,000 | 17,429,000 | 16,521,000 |
| Total capital | 17,518,000 | 17,839,000 | 18,212,000 | 17,191,000 |
| Risk-weighted assets | 123,513,000 | 121,703,000 | 120,683,000 | 117,426,000 |