Call reports 2014
CITIZENS BANK OF ELDON — 2014
What CITIZENS BANK OF ELDON reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 124,957,000 | 126,063,000 | 128,303,000 | 127,388,000 |
| Total loans | 77,469,000 | 82,466,000 | 84,432,000 | 84,759,000 |
| Allowance for loan losses | 699,000 | 709,000 | 745,000 | 735,000 |
| Securities available for sale | 29,758,000 | 33,627,000 | 31,344,000 | 34,794,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 106,275,000 | 107,232,000 | 109,161,000 | 108,167,000 |
| Interest-bearing deposits | 82,621,000 | 81,980,000 | 82,566,000 | 81,938,000 |
| Noninterest-bearing deposits | 23,654,000 | 25,252,000 | 26,595,000 | 26,229,000 |
| Equity capital | 17,372,000 | 17,556,000 | 17,801,000 | 17,953,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,071,000 | 2,171,000 | 3,320,000 | 4,493,000 |
| Interest expense | 71,000 | 143,000 | 215,000 | 284,000 |
| Net interest income | 1,000,000 | 2,028,000 | 3,105,000 | 4,209,000 |
| Noninterest income | 202,000 | 439,000 | 680,000 | 930,000 |
| Noninterest expense | 847,000 | 1,717,000 | 2,570,000 | 3,399,000 |
| Provision for loan losses | 3,000 | 34,000 | 88,000 | 144,000 |
| Pretax income | 352,000 | 716,000 | 1,127,000 | 1,596,000 |
| Income tax | 109,000 | 216,000 | 339,000 | 492,000 |
| Net income | 243,000 | 500,000 | 788,000 | 1,104,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,348,000 | 17,509,000 | 17,749,000 | 17,970,000 |
| Total capital | 18,047,000 | 18,218,000 | 18,494,000 | 18,705,000 |
| Risk-weighted assets | 76,297,000 | 82,485,000 | 83,546,000 | 84,038,000 |