Call reports 2021
CITIZENS BANK OF ADA — 2021
What CITIZENS BANK OF ADA reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 271,987,000 | 268,374,000 | 266,719,000 | 287,167,000 |
| Total loans | 140,748,000 | 139,205,000 | 137,507,000 | 136,602,000 |
| Allowance for loan losses | 1,518,000 | 1,661,000 | 1,826,000 | 1,560,000 |
| Securities available for sale | 18,700,000 | 22,317,000 | 23,020,000 | 26,723,000 |
| Securities held to maturity | 29,775,000 | 29,162,000 | 26,617,000 | 26,082,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 227,574,000 | 224,874,000 | 222,412,000 | 237,405,000 |
| Interest-bearing deposits | 137,480,000 | 137,324,000 | 132,584,000 | 147,222,000 |
| Noninterest-bearing deposits | 90,094,000 | 87,550,000 | 89,828,000 | 90,183,000 |
| Equity capital | 21,390,000 | 21,788,000 | 22,245,000 | 21,453,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 2,141,000 | 4,327,000 | 6,543,000 | 8,916,000 |
| Interest expense | 86,000 | 173,000 | 256,000 | 331,000 |
| Net interest income | 2,055,000 | 4,154,000 | 6,287,000 | 8,585,000 |
| Noninterest income | 857,000 | 1,647,000 | 2,462,000 | 3,181,000 |
| Noninterest expense | 2,368,000 | 4,663,000 | 7,000,000 | 9,233,000 |
| Provision for loan losses | 135,000 | 270,000 | 405,000 | 544,000 |
| Pretax income | 430,000 | 889,000 | 1,365,000 | 2,010,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 430,000 | 889,000 | 1,365,000 | 2,010,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,027,000 | 21,486,000 | 21,962,000 | 21,419,000 |
| Total capital | — | — | 23,788,000 | 22,979,000 |
| Risk-weighted assets | — | — | 160,285,000 | 159,335,000 |