Call reports 2010
CITIZENS ALLIANCE BANK — 2010
What CITIZENS ALLIANCE BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 349,210,000 | 344,806,000 | 333,613,000 | 348,787,000 |
| Total loans | 227,137,000 | 218,913,000 | 223,568,000 | 234,397,000 |
| Allowance for loan losses | 3,244,000 | 3,189,000 | 2,783,000 | 3,356,000 |
| Securities available for sale | 64,338,000 | 61,570,000 | 59,208,000 | 63,965,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 292,298,000 | 287,330,000 | 275,966,000 | 295,149,000 |
| Interest-bearing deposits | 241,932,000 | 235,412,000 | 224,697,000 | 233,174,000 |
| Noninterest-bearing deposits | 50,366,000 | 51,918,000 | 51,268,000 | 61,974,000 |
| Equity capital | 34,959,000 | 35,028,000 | 36,224,000 | 35,517,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 3,843,000 | 7,608,000 | 11,451,000 | 15,268,000 |
| Interest expense | 1,402,000 | 2,702,000 | 3,905,000 | 5,007,000 |
| Net interest income | 2,441,000 | 4,906,000 | 7,546,000 | 10,261,000 |
| Noninterest income | 371,000 | 674,000 | 959,000 | 1,410,000 |
| Noninterest expense | 1,489,000 | 3,278,000 | 4,708,000 | 6,520,000 |
| Provision for loan losses | 760,000 | 1,910,000 | 2,685,000 | 3,595,000 |
| Pretax income | 625,000 | 454,000 | 1,327,000 | 1,771,000 |
| Income tax | 0 | 5,000 | 5,000 | 5,000 |
| Net income | 625,000 | 449,000 | 1,322,000 | 1,766,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,458,000 | 28,022,000 | 28,895,000 | 29,069,000 |
| Total capital | 31,702,000 | 31,211,000 | 31,678,000 | 32,425,000 |
| Risk-weighted assets | 270,936,000 | 267,440,000 | 268,967,000 | 286,951,000 |
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