Call reports 2008
CITIZENS ALLIANCE BANK — 2008
What CITIZENS ALLIANCE BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 324,667,000 | 332,757,000 | 335,902,000 | 349,032,000 |
| Total loans | 224,517,000 | 234,316,000 | 234,768,000 | 241,580,000 |
| Allowance for loan losses | 2,585,000 | 3,063,000 | 2,850,000 | 3,017,000 |
| Securities available for sale | 64,670,000 | 62,514,000 | 62,959,000 | 63,329,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 259,397,000 | 262,870,000 | 262,483,000 | 289,149,000 |
| Interest-bearing deposits | 191,590,000 | 202,030,000 | 199,112,000 | 212,489,000 |
| Noninterest-bearing deposits | 67,808,000 | 60,841,000 | 63,372,000 | 76,660,000 |
| Equity capital | 35,753,000 | 35,368,000 | 36,379,000 | 38,007,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 4,932,000 | 9,473,000 | 14,037,000 | 18,429,000 |
| Interest expense | 2,086,000 | 4,022,000 | 5,950,000 | 7,788,000 |
| Net interest income | 2,846,000 | 5,451,000 | 8,087,000 | 10,641,000 |
| Noninterest income | 338,000 | 704,000 | 1,051,000 | 1,467,000 |
| Noninterest expense | 1,522,000 | 2,980,000 | 4,307,000 | 5,942,000 |
| Provision for loan losses | 114,000 | 644,000 | 644,000 | 844,000 |
| Pretax income | 1,548,000 | 2,531,000 | 4,187,000 | 5,322,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,548,000 | 2,531,000 | 4,187,000 | 5,322,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,456,000 | 29,984,000 | 30,871,000 | 31,546,000 |
| Total capital | 32,041,000 | 33,047,000 | 33,721,000 | 34,563,000 |
| Risk-weighted assets | 260,438,000 | 269,825,000 | 272,342,000 | 280,203,000 |
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