Call reports 2019
CITIZENS BANK OF ADA — 2019
What CITIZENS BANK OF ADA reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 205,124,000 | 193,370,000 | 188,605,000 | 197,739,000 |
| Total loans | 115,494,000 | 120,724,000 | 120,224,000 | 125,431,000 |
| Allowance for loan losses | 1,168,000 | 1,321,000 | 1,476,000 | 1,360,000 |
| Securities available for sale | 29,815,000 | 29,756,000 | 23,882,000 | 21,274,000 |
| Securities held to maturity | 19,534,000 | 19,332,000 | 18,674,000 | 18,671,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 167,099,000 | 155,348,000 | 151,421,000 | 156,851,000 |
| Interest-bearing deposits | 105,481,000 | 95,495,000 | 94,096,000 | 95,888,000 |
| Noninterest-bearing deposits | 61,618,000 | 59,853,000 | 57,325,000 | 60,963,000 |
| Equity capital | 20,014,000 | 20,925,000 | 21,512,000 | 20,582,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 2,114,000 | 4,367,000 | 6,640,000 | 8,913,000 |
| Interest expense | 82,000 | 179,000 | 274,000 | 360,000 |
| Net interest income | 2,032,000 | 4,188,000 | 6,366,000 | 8,553,000 |
| Noninterest income | 719,000 | 1,521,000 | 2,327,000 | 3,072,000 |
| Noninterest expense | 2,194,000 | 4,417,000 | 6,676,000 | 8,934,000 |
| Provision for loan losses | 150,000 | 300,000 | 450,000 | 604,000 |
| Pretax income | 407,000 | 992,000 | 1,567,000 | 2,087,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 407,000 | 992,000 | 1,567,000 | 2,087,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,114,000 | 20,699,000 | 21,274,000 | 20,342,000 |
| Total capital | 21,282,000 | 22,020,000 | 22,750,000 | 21,702,000 |
| Risk-weighted assets | 122,549,000 | 128,967,000 | 129,803,000 | 127,625,000 |