Call reports 2023
CITIZENS BANK OF ADA — 2023
What CITIZENS BANK OF ADA reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 303,752,000 | 303,050,000 | 287,211,000 | 297,576,000 |
| Total loans | 145,391,000 | 149,899,000 | 155,528,000 | 162,148,000 |
| Allowance for loan losses | 1,500,000 | 1,541,000 | 1,580,000 | 1,725,000 |
| Securities available for sale | 58,518,000 | 56,363,000 | 57,406,000 | 59,476,000 |
| Securities held to maturity | 45,578,000 | 41,510,000 | 45,675,000 | 43,635,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 260,945,000 | 264,314,000 | 245,749,000 | 258,730,000 |
| Interest-bearing deposits | 169,175,000 | 170,989,000 | 159,252,000 | 168,170,000 |
| Noninterest-bearing deposits | 91,770,000 | 93,325,000 | 86,497,000 | 90,560,000 |
| Equity capital | 20,573,000 | 20,666,000 | 20,957,000 | 22,510,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 3,230,000 | 6,575,000 | 9,977,000 | 13,680,000 |
| Interest expense | 566,000 | 1,301,000 | 2,045,000 | 2,831,000 |
| Net interest income | 2,664,000 | 5,274,000 | 7,932,000 | 10,849,000 |
| Noninterest income | 753,000 | 1,560,000 | 2,360,000 | 3,086,000 |
| Noninterest expense | 2,695,000 | 5,018,000 | 7,373,000 | 9,716,000 |
| Provision for loan losses | 0 | 30,000 | 60,000 | 196,000 |
| Pretax income | 722,000 | 1,786,000 | 2,859,000 | 4,023,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 722,000 | 1,786,000 | 2,859,000 | 4,023,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,964,000 | 24,028,000 | 25,101,000 | 24,945,000 |
| Total capital | 24,464,000 | 25,569,000 | 26,681,000 | 26,670,000 |
| Risk-weighted assets | 145,691,000 | 158,696,000 | 160,140,000 | 167,156,000 |