Call reports 2012
CITIZENS BANK OF ADA — 2012
What CITIZENS BANK OF ADA reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 225,976,000 | 211,241,000 | 202,516,000 | 211,202,000 |
| Total loans | 105,951,000 | 105,892,000 | 108,056,000 | 116,370,000 |
| Allowance for loan losses | 702,000 | 733,000 | 746,000 | 670,000 |
| Securities available for sale | 34,836,000 | 37,231,000 | 35,886,000 | 35,686,000 |
| Securities held to maturity | 1,832,000 | 1,323,000 | 1,323,000 | 1,271,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 186,585,000 | 171,082,000 | 161,029,000 | 169,831,000 |
| Interest-bearing deposits | 97,990,000 | 96,133,000 | 92,295,000 | 104,984,000 |
| Noninterest-bearing deposits | 88,595,000 | 74,949,000 | 68,734,000 | 64,847,000 |
| Equity capital | 17,309,000 | 17,690,000 | 18,147,000 | 17,214,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,969,000 | 3,901,000 | 5,812,000 | 7,845,000 |
| Interest expense | 271,000 | 534,000 | 775,000 | 1,017,000 |
| Net interest income | 1,698,000 | 3,367,000 | 5,037,000 | 6,828,000 |
| Noninterest income | 591,000 | 1,193,000 | 1,948,000 | 2,713,000 |
| Noninterest expense | 1,974,000 | 3,919,000 | 5,962,000 | 8,035,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 184,000 |
| Pretax income | 270,000 | 551,000 | 888,000 | 1,322,000 |
| Income tax | 3,000 | 6,000 | 9,000 | 12,000 |
| Net income | 267,000 | 545,000 | 879,000 | 1,310,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,788,000 | 17,066,000 | 17,400,000 | 16,567,000 |
| Total capital | 17,490,000 | 17,799,000 | 18,146,000 | 17,237,000 |
| Risk-weighted assets | 112,049,000 | 113,191,000 | 124,281,000 | 132,165,000 |