Call reports 2020
CITIZENS BANK OF ADA — 2020
What CITIZENS BANK OF ADA reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 197,221,000 | 221,243,000 | 224,216,000 | 243,557,000 |
| Total loans | 128,516,000 | 140,623,000 | 147,999,000 | 144,268,000 |
| Allowance for loan losses | 1,396,000 | 1,361,000 | 1,457,000 | 1,375,000 |
| Securities available for sale | 19,100,000 | 21,260,000 | 17,548,000 | 16,667,000 |
| Securities held to maturity | 18,668,000 | 18,665,000 | 20,337,000 | 21,574,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 160,315,000 | 182,157,000 | 184,606,000 | 202,498,000 |
| Interest-bearing deposits | 102,425,000 | 111,037,000 | 111,620,000 | 121,290,000 |
| Noninterest-bearing deposits | 57,890,000 | 71,120,000 | 72,986,000 | 81,208,000 |
| Equity capital | 21,223,000 | 21,000,000 | 21,537,000 | 21,043,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 2,253,000 | 4,312,000 | 6,505,000 | 8,784,000 |
| Interest expense | 84,000 | 163,000 | 244,000 | 319,000 |
| Net interest income | 2,169,000 | 4,149,000 | 6,261,000 | 8,465,000 |
| Noninterest income | 664,000 | 1,480,000 | 2,380,000 | 3,217,000 |
| Noninterest expense | 2,330,000 | 5,317,000 | 7,666,000 | 9,863,000 |
| Provision for loan losses | 90,000 | 180,000 | 270,000 | 376,000 |
| Pretax income | 413,000 | 132,000 | 705,000 | 1,443,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 413,000 | 132,000 | 705,000 | 1,443,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,755,000 | 20,474,000 | 21,046,000 | 20,597,000 |