Call reports 2019
CITIZENS ALLIANCE BANK — 2019
What CITIZENS ALLIANCE BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 792,677,000 | 811,332,000 | 829,388,000 | 847,122,000 |
| Total loans | 564,695,000 | 572,914,000 | 578,962,000 | 591,410,000 |
| Allowance for loan losses | 7,408,000 | 7,785,000 | 7,747,000 | 7,745,000 |
| Securities available for sale | 139,280,000 | 143,001,000 | 150,073,000 | 150,569,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 696,267,000 | 710,566,000 | 727,651,000 | 737,446,000 |
| Interest-bearing deposits | 532,465,000 | 500,177,000 | 538,563,000 | 510,151,000 |
| Noninterest-bearing deposits | 163,802,000 | 210,389,000 | 189,088,000 | 227,295,000 |
| Equity capital | 68,469,000 | 72,473,000 | 75,335,000 | 78,286,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 8,561,000 | 17,628,000 | 26,858,000 | 35,997,000 |
| Interest expense | 1,806,000 | 3,856,000 | 5,934,000 | 7,639,000 |
| Net interest income | 6,755,000 | 13,772,000 | 20,924,000 | 28,358,000 |
| Noninterest income | 800,000 | 1,533,000 | 2,261,000 | 3,097,000 |
| Noninterest expense | 4,253,000 | 8,718,000 | 13,293,000 | 18,191,000 |
| Provision for loan losses | 200,000 | 575,000 | 725,000 | 675,000 |
| Pretax income | 3,125,000 | 6,035,000 | 9,194,000 | 12,670,000 |
| Income tax | -191,000 | 641,000 | 1,485,000 | 1,941,000 |
| Net income | 3,316,000 | 5,394,000 | 7,709,000 | 10,729,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 61,151,000 | 63,229,000 | 65,163,000 | 68,093,000 |
| Total capital | 68,581,000 | 71,033,000 | 72,933,000 | 75,838,000 |
| Risk-weighted assets | 661,902,000 | 664,517,000 | 670,812,000 | 691,033,000 |