Call reports 2015
CITIZENS ALLIANCE BANK — 2015
What CITIZENS ALLIANCE BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 611,776,000 | 611,080,000 | 626,672,000 | 614,852,000 |
| Total loans | 400,413,000 | 401,410,000 | 412,889,000 | 430,601,000 |
| Allowance for loan losses | 5,098,000 | 5,161,000 | 5,270,000 | 5,570,000 |
| Securities available for sale | 103,329,000 | 97,613,000 | 95,070,000 | 93,929,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 533,111,000 | 531,912,000 | 546,204,000 | 523,802,000 |
| Interest-bearing deposits | 429,347,000 | 431,074,000 | 411,426,000 | 392,450,000 |
| Noninterest-bearing deposits | 103,764,000 | 100,837,000 | 134,777,000 | 131,352,000 |
| Equity capital | 53,324,000 | 53,892,000 | 55,575,000 | 56,872,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 5,602,000 | 11,461,000 | 17,371,000 | 23,318,000 |
| Interest expense | 867,000 | 1,756,000 | 2,652,000 | 3,524,000 |
| Net interest income | 4,735,000 | 9,705,000 | 14,719,000 | 19,794,000 |
| Noninterest income | 561,000 | 1,181,000 | 1,819,000 | 2,491,000 |
| Noninterest expense | 3,067,000 | 5,934,000 | 8,932,000 | 12,158,000 |
| Provision for loan losses | -1,500,000 | -1,450,000 | -1,325,000 | -1,025,000 |
| Pretax income | 3,732,000 | 6,405,000 | 8,934,000 | 11,155,000 |
| Income tax | 9,000 | 9,000 | 9,000 | 19,000 |
| Net income | 3,723,000 | 6,396,000 | 8,925,000 | 11,136,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 46,592,000 | 47,934,000 | 49,305,000 | 50,172,000 |
| Total capital | 51,690,000 | 53,193,000 | 54,580,000 | 55,748,000 |
| Risk-weighted assets | 471,434,000 | 465,241,000 | 463,250,000 | 512,389,000 |