Call reports 2014
CITIZENS BANK OF ADA — 2014
What CITIZENS BANK OF ADA reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 206,867,000 | 202,584,000 | 211,019,000 | 216,558,000 |
| Total loans | 124,125,000 | 126,249,000 | 131,321,000 | 136,120,000 |
| Allowance for loan losses | 795,000 | 731,000 | 723,000 | 800,000 |
| Securities available for sale | 37,355,000 | 40,830,000 | 40,429,000 | 35,504,000 |
| Securities held to maturity | 6,142,000 | 6,748,000 | 6,747,000 | 6,701,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 168,920,000 | 164,552,000 | 170,045,000 | 177,294,000 |
| Interest-bearing deposits | 110,206,000 | 106,890,000 | 106,915,000 | 116,738,000 |
| Noninterest-bearing deposits | 58,714,000 | 57,662,000 | 63,130,000 | 60,556,000 |
| Equity capital | 17,243,000 | 17,765,000 | 18,140,000 | 17,505,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 2,098,000 | 4,218,000 | 6,396,000 | 8,693,000 |
| Interest expense | 234,000 | 468,000 | 699,000 | 932,000 |
| Net interest income | 1,864,000 | 3,750,000 | 5,697,000 | 7,761,000 |
| Noninterest income | 592,000 | 1,269,000 | 1,962,000 | 2,582,000 |
| Noninterest expense | 2,058,000 | 4,166,000 | 6,323,000 | 8,436,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 212,000 |
| Pretax income | 353,000 | 763,000 | 1,201,000 | 1,695,000 |
| Income tax | 3,000 | 6,000 | 9,000 | 12,000 |
| Net income | 350,000 | 757,000 | 1,192,000 | 1,683,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,112,000 | 17,519,000 | 17,954,000 | 17,224,000 |
| Total capital | 17,907,000 | 18,250,000 | 18,677,000 | 18,024,000 |
| Risk-weighted assets | 136,017,000 | 138,822,000 | 143,992,000 | 142,472,000 |