Call reports 2013
CITIZENS ALLIANCE BANK — 2013
What CITIZENS ALLIANCE BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 465,154,000 | 477,009,000 | 472,318,000 | 484,510,000 |
| Total loans | 283,619,000 | 311,537,000 | 317,535,000 | 339,250,000 |
| Allowance for loan losses | 3,672,000 | 3,884,000 | 4,152,000 | 4,157,000 |
| Securities available for sale | 106,051,000 | 102,592,000 | 98,786,000 | 90,964,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 390,478,000 | 397,717,000 | 400,474,000 | 410,446,000 |
| Interest-bearing deposits | 309,345,000 | 310,554,000 | 309,529,000 | 314,323,000 |
| Noninterest-bearing deposits | 81,133,000 | 87,162,000 | 90,944,000 | 96,122,000 |
| Equity capital | 46,034,000 | 45,849,000 | 46,103,000 | 47,277,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 4,376,000 | 9,059,000 | 13,772,000 | 18,545,000 |
| Interest expense | 851,000 | 1,664,000 | 2,449,000 | 3,211,000 |
| Net interest income | 3,525,000 | 7,395,000 | 11,323,000 | 15,334,000 |
| Noninterest income | 310,000 | 856,000 | 1,430,000 | 1,461,000 |
| Noninterest expense | 2,246,000 | 4,612,000 | 6,784,000 | 9,204,000 |
| Provision for loan losses | -250,000 | 25,000 | 225,000 | -25,000 |
| Pretax income | 1,841,000 | 3,594,000 | 5,724,000 | 7,617,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,841,000 | 3,594,000 | 5,724,000 | 7,617,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 38,379,000 | 40,343,000 | 41,137,000 | 42,150,000 |
| Total capital | 42,051,000 | 44,227,000 | 45,289,000 | 46,307,000 |
| Risk-weighted assets | 345,530,000 | 370,546,000 | 373,305,000 | 401,229,000 |
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