Call reports 2012
CITIZENS ALLIANCE BANK — 2012
What CITIZENS ALLIANCE BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 424,058,000 | 432,998,000 | 456,123,000 | 469,296,000 |
| Total loans | 270,569,000 | 278,797,000 | 296,021,000 | 314,759,000 |
| Allowance for loan losses | 4,202,000 | 4,477,000 | 4,679,000 | 3,916,000 |
| Securities available for sale | 86,079,000 | 89,166,000 | 93,032,000 | 97,896,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 351,211,000 | 360,101,000 | 378,367,000 | 389,783,000 |
| Interest-bearing deposits | 285,140,000 | 289,216,000 | 303,046,000 | 304,590,000 |
| Noninterest-bearing deposits | 66,071,000 | 70,885,000 | 75,322,000 | 85,193,000 |
| Equity capital | 45,122,000 | 45,647,000 | 46,504,000 | 48,080,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 4,521,000 | 9,021,000 | 13,716,000 | 18,371,000 |
| Interest expense | 948,000 | 1,868,000 | 2,770,000 | 3,679,000 |
| Net interest income | 3,573,000 | 7,153,000 | 10,946,000 | 14,692,000 |
| Noninterest income | -83,000 | 340,000 | 454,000 | 872,000 |
| Noninterest expense | 2,341,000 | 4,449,000 | 6,503,000 | 8,648,000 |
| Provision for loan losses | 455,000 | 826,000 | 1,101,000 | 526,000 |
| Pretax income | 694,000 | 2,269,000 | 3,847,000 | 6,441,000 |
| Income tax | 7,000 | 7,000 | 7,000 | 7,000 |
| Net income | 687,000 | 2,262,000 | 3,840,000 | 6,434,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 37,197,000 | 37,496,000 | 38,101,000 | 39,999,000 |
| Total capital | 41,217,000 | 41,582,000 | 42,388,000 | 43,915,000 |
| Risk-weighted assets | 321,438,000 | 326,507,000 | 342,577,000 | 367,516,000 |
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