Call reports 2022
CITIZENS BANK OF ADA — 2022
What CITIZENS BANK OF ADA reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 291,982,000 | 281,843,000 | 293,319,000 | 301,630,000 |
| Total loans | 131,450,000 | 130,922,000 | 133,063,000 | 141,949,000 |
| Allowance for loan losses | 1,611,000 | 1,630,000 | 1,714,000 | 1,450,000 |
| Securities available for sale | 40,656,000 | 47,637,000 | 50,943,000 | 50,900,000 |
| Securities held to maturity | 23,887,000 | 40,145,000 | 40,754,000 | 45,466,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 245,833,000 | 243,691,000 | 252,518,000 | 260,981,000 |
| Interest-bearing deposits | 156,797,000 | 153,848,000 | 160,087,000 | 170,954,000 |
| Noninterest-bearing deposits | 89,036,000 | 89,843,000 | 92,431,000 | 90,027,000 |
| Equity capital | 20,691,000 | 19,812,000 | 18,990,000 | 18,664,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 1,974,000 | 4,235,000 | 6,814,000 | 9,787,000 |
| Interest expense | 72,000 | 150,000 | 355,000 | 748,000 |
| Net interest income | 1,902,000 | 4,085,000 | 6,459,000 | 9,039,000 |
| Noninterest income | 713,000 | 1,421,000 | 2,156,000 | 2,815,000 |
| Noninterest expense | 2,347,000 | 4,810,000 | 7,292,000 | 9,676,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 167,000 |
| Pretax income | 223,000 | 606,000 | 1,188,000 | 2,011,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 223,000 | 606,000 | 1,188,000 | 2,011,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,642,000 | 22,025,000 | 22,607,000 | 22,242,000 |
| Total capital | 23,253,000 | 23,655,000 | 24,321,000 | 23,692,000 |
| Risk-weighted assets | 144,612,000 | 147,483,000 | 138,285,000 | 155,438,000 |