Call reports 2016
CITIZENS BANK OF ELDON — 2016
What CITIZENS BANK OF ELDON 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 | 143,058,000 | 141,902,000 | 145,814,000 | 146,352,000 |
| Total loans | 95,417,000 | 96,304,000 | 104,602,000 | 109,285,000 |
| Allowance for loan losses | 755,000 | 773,000 | 747,000 | 843,000 |
| Securities available for sale | 26,599,000 | 28,306,000 | 28,452,000 | 28,049,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 122,706,000 | 121,250,000 | 120,390,000 | 125,362,000 |
| Interest-bearing deposits | 89,889,000 | 86,126,000 | 86,110,000 | 92,345,000 |
| Noninterest-bearing deposits | 32,817,000 | 35,124,000 | 34,280,000 | 33,017,000 |
| Equity capital | 19,133,000 | 19,394,000 | 19,547,000 | 19,594,000 |
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 | 1,275,000 | 2,559,000 | 3,905,000 | 5,308,000 |
| Interest expense | 75,000 | 148,000 | 226,000 | 303,000 |
| Net interest income | 1,200,000 | 2,411,000 | 3,679,000 | 5,005,000 |
| Noninterest income | 209,000 | 438,000 | 669,000 | 883,000 |
| Noninterest expense | 917,000 | 1,864,000 | 2,813,000 | 3,789,000 |
| Provision for loan losses | 76,000 | 120,000 | 173,000 | 225,000 |
| Pretax income | 416,000 | 865,000 | 1,362,000 | 1,873,000 |
| Income tax | 107,000 | 226,000 | 368,000 | 578,000 |
| Net income | 309,000 | 639,000 | 994,000 | 1,295,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,123,000 | 19,357,000 | 19,616,000 | 19,720,000 |
| Total capital | 19,878,000 | 20,130,000 | 20,363,000 | 20,563,000 |
| Risk-weighted assets | 98,031,000 | 99,352,000 | 110,508,000 | 109,919,000 |