Call reports 2014
CITIZENS ALLIANCE BANK — 2014
What CITIZENS ALLIANCE BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 476,036,000 | 525,218,000 | 520,154,000 | 629,347,000 |
| Total loans | 329,725,000 | 366,644,000 | 376,002,000 | 400,942,000 |
| Allowance for loan losses | 4,137,000 | 4,579,000 | 4,735,000 | 5,107,000 |
| Securities available for sale | 88,555,000 | 88,844,000 | 87,877,000 | 88,900,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 405,878,000 | 446,029,000 | 439,643,000 | 548,648,000 |
| Interest-bearing deposits | 317,255,000 | 350,767,000 | 349,064,000 | 423,893,000 |
| Noninterest-bearing deposits | 88,623,000 | 95,262,000 | 90,578,000 | 124,755,000 |
| Equity capital | 45,743,000 | 52,098,000 | 53,421,000 | 54,448,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 4,660,000 | 10,483,000 | 16,008,000 | 21,603,000 |
| Interest expense | 734,000 | 1,649,000 | 2,451,000 | 3,305,000 |
| Net interest income | 3,926,000 | 8,834,000 | 13,557,000 | 18,298,000 |
| Noninterest income | 439,000 | 1,081,000 | 1,622,000 | 2,247,000 |
| Noninterest expense | 2,509,000 | 5,386,000 | 8,206,000 | 11,161,000 |
| Provision for loan losses | 0 | 75,000 | 245,000 | 770,000 |
| Pretax income | 1,886,000 | 4,483,000 | 6,757,000 | 8,866,000 |
| Income tax | 0 | 0 | 0 | 9,000 |
| Net income | 1,886,000 | 4,483,000 | 6,757,000 | 8,857,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 40,108,000 | 45,738,000 | 46,841,000 | 47,785,000 |
| Total capital | 44,245,000 | 50,317,000 | 51,576,000 | 52,892,000 |
| Risk-weighted assets | 390,554,000 | 420,484,000 | 432,559,000 | 468,935,000 |
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