Call reports 2013
CITIZENS BANK OF ADA — 2013
What CITIZENS BANK OF ADA reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 201,891,000 | 198,839,000 | 197,482,000 | 204,029,000 |
| Total loans | 116,384,000 | 118,459,000 | 120,743,000 | 125,347,000 |
| Allowance for loan losses | 716,000 | 815,000 | 861,000 | 750,000 |
| Securities available for sale | 34,491,000 | 37,289,000 | 36,839,000 | 31,874,000 |
| Securities held to maturity | 1,271,000 | 2,735,000 | 3,487,000 | 4,468,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 162,518,000 | 158,305,000 | 157,220,000 | 166,450,000 |
| Interest-bearing deposits | 101,155,000 | 97,757,000 | 99,148,000 | 110,383,000 |
| Noninterest-bearing deposits | 61,363,000 | 60,548,000 | 58,072,000 | 56,067,000 |
| Equity capital | 17,460,000 | 17,395,000 | 17,709,000 | 16,815,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 2,004,000 | 4,020,000 | 6,064,000 | 8,161,000 |
| Interest expense | 236,000 | 471,000 | 710,000 | 942,000 |
| Net interest income | 1,768,000 | 3,549,000 | 5,354,000 | 7,219,000 |
| Noninterest income | 657,000 | 1,280,000 | 1,987,000 | 2,625,000 |
| Noninterest expense | 2,069,000 | 4,097,000 | 6,188,000 | 8,239,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 185,000 |
| Pretax income | 319,000 | 650,000 | 1,026,000 | 1,428,000 |
| Income tax | 3,000 | 6,000 | 9,000 | 12,000 |
| Net income | 316,000 | 644,000 | 1,017,000 | 1,416,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,883,000 | 17,211,000 | 17,584,000 | 16,762,000 |
| Total capital | 17,599,000 | 18,026,000 | 18,445,000 | 17,512,000 |
| Risk-weighted assets | 130,502,000 | 133,745,000 | 133,971,000 | 140,272,000 |