Call reports 2020
CITIZENS ALLIANCE BANK — 2020
What CITIZENS ALLIANCE BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 861,565,000 | 923,730,000 | 924,158,000 | 934,293,000 |
| Total loans | 596,535,000 | 648,196,000 | 646,805,000 | 629,818,000 |
| Allowance for loan losses | 7,778,000 | 7,807,000 | 7,809,000 | 7,756,000 |
| Securities available for sale | 155,576,000 | 160,966,000 | 157,177,000 | 153,449,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 728,153,000 | 738,674,000 | 721,042,000 | 780,727,000 |
| Interest-bearing deposits | 512,734,000 | 472,710,000 | 463,562,000 | 471,949,000 |
| Noninterest-bearing deposits | 215,419,000 | 265,964,000 | 257,480,000 | 308,778,000 |
| Equity capital | 77,075,000 | 85,624,000 | 89,871,000 | 94,906,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 9,087,000 | 18,326,000 | 27,633,000 | 37,182,000 |
| Interest expense | 1,585,000 | 2,612,000 | 3,412,000 | 4,094,000 |
| Net interest income | 7,502,000 | 15,714,000 | 24,221,000 | 33,088,000 |
| Noninterest income | 739,000 | 1,732,000 | 3,407,000 | 6,180,000 |
| Noninterest expense | 4,589,000 | 9,061,000 | 14,015,000 | 19,896,000 |
| Provision for loan losses | 1,420,000 | 1,820,000 | 1,820,000 | 1,370,000 |
| Pretax income | 2,194,000 | 6,542,000 | 11,766,000 | 17,983,000 |
| Income tax | 550,000 | 1,895,000 | 3,258,000 | 4,510,000 |
| Net income | 1,644,000 | 4,647,000 | 8,508,000 | 13,473,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 69,757,000 | 72,777,000 | 72,521,000 | 77,194,000 |
| Total capital | 77,535,000 | 80,584,000 | 80,330,000 | 84,950,000 |
| Risk-weighted assets | 715,534,000 | 720,834,000 | 715,105,000 | 730,522,000 |