Call reports 2008
CITIZENS BANK OF ELDON — 2008
What CITIZENS BANK OF ELDON reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 100,372,000 | 102,580,000 | 101,240,000 | 99,322,000 |
| Total loans | 55,490,000 | 55,243,000 | 55,039,000 | 55,316,000 |
| Allowance for loan losses | 557,000 | 551,000 | 565,000 | 588,000 |
| Securities available for sale | 29,622,000 | 32,812,000 | 36,961,000 | 38,033,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 83,184,000 | 85,774,000 | 84,146,000 | 81,554,000 |
| Interest-bearing deposits | 68,379,000 | 70,123,000 | 69,814,000 | 67,345,000 |
| Noninterest-bearing deposits | 14,805,000 | 15,651,000 | 14,332,000 | 14,209,000 |
| Equity capital | 15,609,000 | 15,451,000 | 15,698,000 | 16,327,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,486,000 | 2,915,000 | 4,331,000 | 5,700,000 |
| Interest expense | 557,000 | 1,066,000 | 1,549,000 | 1,992,000 |
| Net interest income | 929,000 | 1,849,000 | 2,782,000 | 3,708,000 |
| Noninterest income | 211,000 | 440,000 | 668,000 | 909,000 |
| Noninterest expense | 716,000 | 1,449,000 | 2,179,000 | 2,979,000 |
| Provision for loan losses | 15,000 | 37,000 | 103,000 | 138,000 |
| Pretax income | 409,000 | 803,000 | 1,168,000 | 1,500,000 |
| Income tax | 128,000 | 247,000 | 352,000 | 447,000 |
| Net income | 281,000 | 556,000 | 816,000 | 1,053,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,949,000 | 15,148,000 | 15,379,000 | 15,559,000 |
| Total capital | 15,506,000 | 15,699,000 | 15,944,000 | 16,147,000 |
| Risk-weighted assets | 57,252,000 | 57,979,000 | 57,298,000 | 56,953,000 |
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