Call reports 2015
CITIZENS BANK OF ELDON — 2015
What CITIZENS BANK OF ELDON 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 | 130,659,000 | 131,825,000 | 133,012,000 | 137,216,000 |
| Total loans | 85,565,000 | 88,157,000 | 90,749,000 | 94,376,000 |
| Allowance for loan losses | 733,000 | 744,000 | 761,000 | 747,000 |
| Securities available for sale | 31,158,000 | 31,916,000 | 31,615,000 | 30,936,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 111,056,000 | 112,155,000 | 112,995,000 | 117,134,000 |
| Interest-bearing deposits | 85,035,000 | 82,985,000 | 84,050,000 | 84,645,000 |
| Noninterest-bearing deposits | 26,021,000 | 29,170,000 | 28,945,000 | 32,488,000 |
| Equity capital | 18,229,000 | 18,374,000 | 18,652,000 | 18,875,000 |
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 | 1,137,000 | 2,320,000 | 3,542,000 | 4,825,000 |
| Interest expense | 70,000 | 141,000 | 211,000 | 284,000 |
| Net interest income | 1,067,000 | 2,179,000 | 3,331,000 | 4,541,000 |
| Noninterest income | 205,000 | 408,000 | 625,000 | 867,000 |
| Noninterest expense | 855,000 | 1,726,000 | 2,616,000 | 3,645,000 |
| Provision for loan losses | 1,000 | 51,000 | 107,000 | 156,000 |
| Pretax income | 416,000 | 810,000 | 1,233,000 | 1,607,000 |
| Income tax | 125,000 | 239,000 | 373,000 | 426,000 |
| Net income | 291,000 | 571,000 | 860,000 | 1,181,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,213,000 | 18,397,000 | 18,638,000 | 18,862,000 |
| Total capital | 18,946,000 | 19,141,000 | 19,399,000 | 19,609,000 |
| Risk-weighted assets | 85,869,000 | 90,805,000 | 93,700,000 | 97,692,000 |