Call reports 2013
CITIZENS BANK OF ELDON — 2013
What CITIZENS BANK OF ELDON reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 118,812,000 | 119,841,000 | 120,906,000 | 123,048,000 |
| Total loans | 66,451,000 | 69,140,000 | 74,624,000 | 76,446,000 |
| Allowance for loan losses | 646,000 | 642,000 | 645,000 | 710,000 |
| Securities available for sale | 38,274,000 | 36,570,000 | 38,246,000 | 38,459,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 100,844,000 | 101,816,000 | 102,543,000 | 103,522,000 |
| Interest-bearing deposits | 80,608,000 | 79,920,000 | 79,404,000 | 79,778,000 |
| Noninterest-bearing deposits | 20,236,000 | 21,896,000 | 23,139,000 | 23,744,000 |
| Equity capital | 16,696,000 | 16,730,000 | 17,028,000 | 17,212,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 982,000 | 1,978,000 | 3,031,000 | 4,116,000 |
| Interest expense | 86,000 | 166,000 | 244,000 | 320,000 |
| Net interest income | 896,000 | 1,812,000 | 2,787,000 | 3,796,000 |
| Noninterest income | 213,000 | 442,000 | 689,000 | 957,000 |
| Noninterest expense | 814,000 | 1,596,000 | 2,367,000 | 3,195,000 |
| Provision for loan losses | 7,000 | 0 | 45,000 | 131,000 |
| Pretax income | 288,000 | 658,000 | 1,064,000 | 1,427,000 |
| Income tax | 83,000 | 190,000 | 323,000 | 427,000 |
| Net income | 205,000 | 468,000 | 741,000 | 1,000,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,569,000 | 16,784,000 | 17,010,000 | 17,153,000 |
| Total capital | 17,215,000 | 17,426,000 | 17,655,000 | 17,863,000 |
| Risk-weighted assets | 67,275,000 | 70,412,000 | 75,424,000 | 76,766,000 |