Call reports 2015
CITIZENS BANK OF ROGERSVILLE — 2015
What CITIZENS BANK OF ROGERSVILLE 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 | 73,140,000 | 73,690,000 | 75,604,000 | 74,470,000 |
| Total loans | 43,370,000 | 45,798,000 | 46,592,000 | 50,500,000 |
| Allowance for loan losses | 174,000 | 222,000 | 256,000 | 315,000 |
| Securities available for sale | 18,700,000 | 16,251,000 | 17,103,000 | 15,488,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 65,055,000 | 60,642,000 | 61,015,000 | 58,052,000 |
| Interest-bearing deposits | 51,276,000 | 47,736,000 | 46,486,000 | 44,148,000 |
| Noninterest-bearing deposits | 13,779,000 | 12,906,000 | 14,529,000 | 13,904,000 |
| Equity capital | 7,990,000 | 7,930,000 | 8,316,000 | 8,514,000 |
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 | 727,000 | 1,479,000 | 2,249,000 | 3,085,000 |
| Interest expense | 49,000 | 98,000 | 149,000 | 203,000 |
| Net interest income | 678,000 | 1,381,000 | 2,100,000 | 2,882,000 |
| Noninterest income | 132,000 | 235,000 | 348,000 | 445,000 |
| Noninterest expense | 558,000 | 1,108,000 | 1,689,000 | 2,233,000 |
| Provision for loan losses | 55,000 | 100,000 | 135,000 | 197,000 |
| Pretax income | 197,000 | 418,000 | 635,000 | 908,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 197,000 | 418,000 | 635,000 | 908,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,513,000 | 6,740,000 | 6,962,000 | 7,243,000 |
| Total capital | 6,687,000 | 6,962,000 | 7,218,000 | 7,558,000 |
| Risk-weighted assets | 50,321,000 | 51,795,000 | 52,812,000 | 56,836,000 |