Call reports 2018
CITIZENS ALLIANCE BANK — 2018
What CITIZENS ALLIANCE BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 705,302,000 | 723,877,000 | 725,723,000 | 790,105,000 |
| Total loans | 485,230,000 | 503,866,000 | 511,184,000 | 548,390,000 |
| Allowance for loan losses | 6,267,000 | 6,490,000 | 6,684,000 | 7,212,000 |
| Securities available for sale | 127,493,000 | 128,800,000 | 130,188,000 | 134,045,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 623,057,000 | 617,969,000 | 622,108,000 | 690,027,000 |
| Interest-bearing deposits | 482,978,000 | 470,846,000 | 467,642,000 | 506,750,000 |
| Noninterest-bearing deposits | 140,079,000 | 147,123,000 | 154,466,000 | 183,277,000 |
| Equity capital | 66,413,000 | 67,816,000 | 68,116,000 | 63,402,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 7,264,000 | 14,763,000 | 22,474,000 | 30,703,000 |
| Interest expense | 1,054,000 | 2,329,000 | 3,804,000 | 5,427,000 |
| Net interest income | 6,210,000 | 12,434,000 | 18,670,000 | 25,276,000 |
| Noninterest income | 687,000 | 1,374,000 | 2,126,000 | 2,976,000 |
| Noninterest expense | 3,805,000 | 7,566,000 | 11,242,000 | 16,030,000 |
| Provision for loan losses | -100,000 | 125,000 | 325,000 | 895,000 |
| Pretax income | 3,192,000 | 6,117,000 | 9,226,000 | 11,320,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 3,192,000 | 6,117,000 | 9,226,000 | 11,320,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 61,121,000 | 62,622,000 | 63,691,000 | 57,835,000 |
| Total capital | 67,413,000 | 69,140,000 | 70,398,000 | 65,062,000 |
| Risk-weighted assets | 575,116,000 | 593,386,000 | 601,827,000 | 644,567,000 |