Call reports 2016
CITIZENS BANK OF ADA — 2016
What CITIZENS BANK OF ADA reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 224,312,000 | 216,012,000 | 216,011,000 | 220,201,000 |
| Total loans | 134,488,000 | 135,586,000 | 136,716,000 | 135,556,000 |
| Allowance for loan losses | 845,000 | 880,000 | 956,000 | 975,000 |
| Securities available for sale | 37,752,000 | 39,791,000 | 35,538,000 | 32,661,000 |
| Securities held to maturity | 7,706,000 | 7,654,000 | 7,651,000 | 7,599,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 182,674,000 | 173,662,000 | 169,841,000 | 178,945,000 |
| Interest-bearing deposits | 119,558,000 | 110,011,000 | 102,725,000 | 117,383,000 |
| Noninterest-bearing deposits | 63,116,000 | 63,651,000 | 67,116,000 | 61,562,000 |
| Equity capital | 18,861,000 | 19,477,000 | 19,967,000 | 18,967,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 2,335,000 | 4,811,000 | 7,230,000 | 9,652,000 |
| Interest expense | 213,000 | 426,000 | 636,000 | 841,000 |
| Net interest income | 2,122,000 | 4,385,000 | 6,594,000 | 8,811,000 |
| Noninterest income | 536,000 | 1,058,000 | 1,574,000 | 2,109,000 |
| Noninterest expense | 2,121,000 | 4,273,000 | 6,414,000 | 8,457,000 |
| Provision for loan losses | 60,000 | 120,000 | 180,000 | 244,000 |
| Pretax income | 477,000 | 1,050,000 | 1,597,000 | 2,242,000 |
| Income tax | 3,000 | 6,000 | 9,000 | 12,000 |
| Net income | 474,000 | 1,044,000 | 1,588,000 | 2,230,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,497,000 | 19,067,000 | 19,612,000 | 19,033,000 |
| Total capital | 19,342,000 | 19,947,000 | 20,568,000 | 20,008,000 |
| Risk-weighted assets | 144,375,000 | 146,924,000 | 150,406,000 | 147,972,000 |