Call reports 2018
CITIZENS BANK OF ADA — 2018
What CITIZENS BANK OF ADA reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 210,488,000 | 209,286,000 | 197,379,000 | 201,666,000 |
| Total loans | 114,674,000 | 111,929,000 | 105,270,000 | 111,165,000 |
| Allowance for loan losses | 1,366,000 | 1,300,000 | 1,011,000 | 1,000,000 |
| Securities available for sale | 31,183,000 | 31,787,000 | 32,438,000 | 33,040,000 |
| Securities held to maturity | 10,523,000 | 12,490,000 | 15,193,000 | 15,973,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 175,579,000 | 174,898,000 | 160,966,000 | 162,953,000 |
| Interest-bearing deposits | 104,592,000 | 106,005,000 | 99,401,000 | 101,924,000 |
| Noninterest-bearing deposits | 70,987,000 | 68,893,000 | 61,565,000 | 61,029,000 |
| Equity capital | 19,264,000 | 19,624,000 | 19,996,000 | 19,420,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 2,032,000 | 4,121,000 | 6,194,000 | 8,305,000 |
| Interest expense | 78,000 | 161,000 | 239,000 | 318,000 |
| Net interest income | 1,954,000 | 3,960,000 | 5,955,000 | 7,987,000 |
| Noninterest income | 537,000 | 1,174,000 | 1,784,000 | 2,497,000 |
| Noninterest expense | 2,101,000 | 4,198,000 | 6,242,000 | 8,356,000 |
| Provision for loan losses | 150,000 | 300,000 | 450,000 | 627,000 |
| Pretax income | 240,000 | 636,000 | 1,047,000 | 1,501,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 240,000 | 636,000 | 1,047,000 | 1,501,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,667,000 | 20,063,000 | 20,473,000 | 19,707,000 |
| Total capital | 21,033,000 | 21,363,000 | 21,484,000 | 20,707,000 |
| Risk-weighted assets | 119,604,000 | 115,211,000 | 111,306,000 | 118,781,000 |