Call reports 2009
CITIZENS ALLIANCE BANK — 2009
What CITIZENS ALLIANCE BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 333,115,000 | 344,257,000 | 338,944,000 | 382,077,000 |
| Total loans | 221,838,000 | 239,182,000 | 237,663,000 | 237,981,000 |
| Allowance for loan losses | 3,089,000 | 3,187,000 | 3,030,000 | 3,136,000 |
| Securities available for sale | 61,958,000 | 65,042,000 | 64,347,000 | 67,883,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 275,659,000 | 280,595,000 | 279,234,000 | 324,473,000 |
| Interest-bearing deposits | 212,916,000 | 213,818,000 | 220,919,000 | 241,235,000 |
| Noninterest-bearing deposits | 62,743,000 | 66,777,000 | 58,315,000 | 83,239,000 |
| Equity capital | 36,267,000 | 36,637,000 | 37,177,000 | 35,244,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 4,023,000 | 8,058,000 | 12,067,000 | 16,094,000 |
| Interest expense | 1,691,000 | 3,292,000 | 4,800,000 | 6,262,000 |
| Net interest income | 2,332,000 | 4,766,000 | 7,267,000 | 9,832,000 |
| Noninterest income | 408,000 | 699,000 | 961,000 | 1,327,000 |
| Noninterest expense | 1,354,000 | 3,016,000 | 4,453,000 | 6,175,000 |
| Provision for loan losses | 370,000 | 555,000 | 1,880,000 | 4,570,000 |
| Pretax income | 1,016,000 | 1,894,000 | 1,895,000 | 1,025,000 |
| Income tax | 0 | 0 | 0 | 2,000 |
| Net income | 1,016,000 | 1,894,000 | 1,895,000 | 1,023,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,562,000 | 30,055,000 | 29,705,000 | 28,833,000 |
| Total capital | 32,651,000 | 33,242,000 | 32,735,000 | 31,969,000 |
| Risk-weighted assets | 262,950,000 | 274,210,000 | 271,822,000 | 282,346,000 |
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