Call reports 2024
CITIZENS BANK OF ADA — 2024
What CITIZENS BANK OF ADA reported to the FFIEC in 2024, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Total assets | 308,924,000 | 307,467,000 | 308,277,000 | 328,265,000 |
| Total loans | 163,409,000 | 167,694,000 | 170,896,000 | 175,348,000 |
| Allowance for loan losses | 1,786,000 | 1,835,000 | 1,892,000 | 1,975,000 |
| Securities available for sale | 65,913,000 | 66,461,000 | 71,240,000 | 68,771,000 |
| Securities held to maturity | 37,931,000 | 39,663,000 | 37,635,000 | 38,368,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 264,405,000 | 264,992,000 | 260,670,000 | 286,972,000 |
| Interest-bearing deposits | 173,118,000 | 177,055,000 | 181,628,000 | 200,818,000 |
| Noninterest-bearing deposits | 91,287,000 | 87,937,000 | 79,042,000 | 86,154,000 |
| Equity capital | 23,444,000 | 25,122,000 | 28,714,000 | 26,015,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Interest income | 3,896,000 | 7,910,000 | 11,967,000 | 16,221,000 |
| Interest expense | 878,000 | 1,741,000 | 2,722,000 | 3,675,000 |
| Net interest income | 3,018,000 | 6,169,000 | 9,245,000 | 12,546,000 |
| Noninterest income | 736,000 | 1,511,000 | 2,420,000 | 3,112,000 |
| Noninterest expense | 2,442,000 | 4,873,000 | 7,307,000 | 9,745,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 209,000 |
| Pretax income | 1,267,000 | 2,717,000 | 4,223,000 | 5,704,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,267,000 | 2,717,000 | 4,223,000 | 5,704,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,211,000 | 27,662,000 | 29,168,000 | 28,009,000 |
| Total capital | 27,997,000 | 29,497,000 | 31,060,000 | 29,984,000 |
| Risk-weighted assets | 169,782,000 | 173,838,000 | 175,819,000 | 179,750,000 |