Call reports 2016
CITIZENS BANK OF ROGERSVILLE — 2016
What CITIZENS BANK OF ROGERSVILLE 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 | 81,612,000 | 79,476,000 | 77,895,000 | 73,418,000 |
| Total loans | 52,898,000 | 54,538,000 | 54,025,000 | 51,728,000 |
| Allowance for loan losses | 347,000 | 380,000 | 422,000 | 448,000 |
| Securities available for sale | 19,091,000 | 15,639,000 | 13,526,000 | 13,239,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 63,568,000 | 60,178,000 | 56,125,000 | 55,450,000 |
| Interest-bearing deposits | 49,376,000 | 46,646,000 | 43,468,000 | 42,836,000 |
| Noninterest-bearing deposits | 14,192,000 | 13,532,000 | 12,657,000 | 12,614,000 |
| Equity capital | 8,412,000 | 8,774,000 | 8,953,000 | 8,766,000 |
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 | 827,000 | 1,710,000 | 2,568,000 | 3,379,000 |
| Interest expense | 66,000 | 150,000 | 229,000 | 294,000 |
| Net interest income | 761,000 | 1,560,000 | 2,339,000 | 3,085,000 |
| Noninterest income | 62,000 | 142,000 | 257,000 | 393,000 |
| Noninterest expense | 654,000 | 1,285,000 | 1,909,000 | 2,535,000 |
| Provision for loan losses | 32,000 | 78,000 | 120,000 | 146,000 |
| Pretax income | 137,000 | 339,000 | 567,000 | 797,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 137,000 | 339,000 | 567,000 | 797,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,944,000 | 7,156,000 | 7,393,000 | 7,633,000 |
| Total capital | 7,291,000 | 7,536,000 | 7,815,000 | 8,081,000 |
| Risk-weighted assets | 58,736,000 | 58,727,000 | 57,310,000 | 53,915,000 |