Call reports 2015
CITIZENS BANK OF ADA — 2015
What CITIZENS BANK OF ADA reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 221,187,000 | 219,461,000 | 218,461,000 | 224,275,000 |
| Total loans | 136,821,000 | 136,351,000 | 134,456,000 | 136,457,000 |
| Allowance for loan losses | 859,000 | 889,000 | 949,000 | 825,000 |
| Securities available for sale | 40,809,000 | 37,551,000 | 40,248,000 | 33,616,000 |
| Securities held to maturity | 7,701,000 | 7,874,000 | 7,433,000 | 7,709,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 182,531,000 | 177,809,000 | 175,592,000 | 182,158,000 |
| Interest-bearing deposits | 117,506,000 | 108,310,000 | 108,985,000 | 119,832,000 |
| Noninterest-bearing deposits | 65,025,000 | 69,499,000 | 66,607,000 | 62,326,000 |
| Equity capital | 18,067,000 | 18,451,000 | 19,106,000 | 18,253,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 2,224,000 | 4,476,000 | 6,728,000 | 8,988,000 |
| Interest expense | 232,000 | 459,000 | 672,000 | 881,000 |
| Net interest income | 1,992,000 | 4,017,000 | 6,056,000 | 8,107,000 |
| Noninterest income | 613,000 | 1,312,000 | 2,072,000 | 2,724,000 |
| Noninterest expense | 2,124,000 | 4,273,000 | 6,438,000 | 8,533,000 |
| Provision for loan losses | 60,000 | 120,000 | 180,000 | 265,000 |
| Pretax income | 421,000 | 936,000 | 1,510,000 | 2,033,000 |
| Income tax | 3,000 | 6,000 | 9,000 | 12,000 |
| Net income | 418,000 | 930,000 | 1,501,000 | 2,021,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,642,000 | 18,153,000 | 18,725,000 | 18,024,000 |
| Total capital | 18,501,000 | 19,042,000 | 19,674,000 | 18,849,000 |
| Risk-weighted assets | 156,134,000 | 149,663,000 | 148,627,000 | 154,795,000 |