Call reports 2016
CITIZENS ALLIANCE BANK — 2016
What CITIZENS ALLIANCE BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 658,470,000 | 672,647,000 | 688,482,000 | 708,184,000 |
| Total loans | 429,534,000 | 451,484,000 | 463,657,000 | 471,661,000 |
| Allowance for loan losses | 5,517,000 | 5,746,000 | 6,173,000 | 6,050,000 |
| Securities available for sale | 116,568,000 | 119,528,000 | 119,570,000 | 120,803,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 576,072,000 | 558,504,000 | 575,825,000 | 627,836,000 |
| Interest-bearing deposits | 394,053,000 | 415,374,000 | 419,793,000 | 445,792,000 |
| Noninterest-bearing deposits | 182,019,000 | 143,130,000 | 156,032,000 | 182,044,000 |
| Equity capital | 58,767,000 | 64,240,000 | 65,608,000 | 60,727,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 5,988,000 | 12,488,000 | 19,077,000 | 25,830,000 |
| Interest expense | 850,000 | 1,682,000 | 2,510,000 | 3,363,000 |
| Net interest income | 5,138,000 | 10,806,000 | 16,567,000 | 22,467,000 |
| Noninterest income | 611,000 | 1,128,000 | 1,970,000 | 2,519,000 |
| Noninterest expense | 3,183,000 | 6,488,000 | 9,788,000 | 13,207,000 |
| Provision for loan losses | 0 | 125,000 | 550,000 | 870,000 |
| Pretax income | 2,566,000 | 5,321,000 | 8,199,000 | 10,909,000 |
| Income tax | 0 | 10,000 | 10,000 | 10,000 |
| Net income | 2,566,000 | 5,311,000 | 8,189,000 | 10,899,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 51,767,000 | 54,783,000 | 56,353,000 | 54,637,000 |
| Total capital | 57,292,000 | 60,537,000 | 62,537,000 | 60,704,000 |
| Risk-weighted assets | 527,316,000 | 524,950,000 | 532,607,000 | 545,469,000 |