Call reports 2017
CITIZENS BANK OF ELDON — 2017
What CITIZENS BANK OF ELDON reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 148,703,000 | 148,770,000 | 150,166,000 | 145,912,000 |
| Total loans | 111,494,000 | 110,310,000 | 111,182,000 | 111,427,000 |
| Allowance for loan losses | 883,000 | 900,000 | 868,000 | 962,000 |
| Securities available for sale | 19,535,000 | 17,335,000 | 17,326,000 | 16,275,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 127,177,000 | 127,206,000 | 128,510,000 | 124,714,000 |
| Interest-bearing deposits | 92,430,000 | 92,386,000 | 93,506,000 | 92,337,000 |
| Noninterest-bearing deposits | 34,747,000 | 34,820,000 | 35,004,000 | 32,377,000 |
| Equity capital | 19,900,000 | 20,093,000 | 20,150,000 | 19,758,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 1,414,000 | 2,862,000 | 4,322,000 | 5,784,000 |
| Interest expense | 84,000 | 170,000 | 263,000 | 362,000 |
| Net interest income | 1,330,000 | 2,692,000 | 4,059,000 | 5,422,000 |
| Noninterest income | 246,000 | 489,000 | 717,000 | 979,000 |
| Noninterest expense | 917,000 | 1,902,000 | 2,888,000 | 3,870,000 |
| Provision for loan losses | 50,000 | 84,000 | 203,000 | 370,000 |
| Pretax income | 609,000 | 1,195,000 | 1,685,000 | 2,161,000 |
| Income tax | 205,000 | 395,000 | 554,000 | 840,000 |
| Net income | 404,000 | 800,000 | 1,131,000 | 1,321,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,985,000 | 20,189,000 | 20,242,000 | 19,844,000 |
| Total capital | 20,868,000 | 21,089,000 | 21,110,000 | 20,806,000 |
| Risk-weighted assets | 109,826,000 | 106,891,000 | 106,468,000 | 106,456,000 |