Call reports 2019
CITIZENS BANK OF ELDON — 2019
What CITIZENS BANK OF ELDON reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 148,629,000 | 155,589,000 | 155,099,000 | 155,972,000 |
| Total loans | 116,909,000 | 118,703,000 | 120,041,000 | 121,680,000 |
| Allowance for loan losses | 942,000 | 927,000 | 917,000 | 973,000 |
| Securities available for sale | 10,540,000 | 11,580,000 | 9,582,000 | 10,102,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 126,446,000 | 133,406,000 | 132,670,000 | 133,619,000 |
| Interest-bearing deposits | 89,792,000 | 93,662,000 | 93,149,000 | 93,542,000 |
| Noninterest-bearing deposits | 36,654,000 | 39,744,000 | 39,521,000 | 40,077,000 |
| Equity capital | 20,358,000 | 20,540,000 | 20,677,000 | 20,598,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 1,671,000 | 3,432,000 | 5,279,000 | 7,133,000 |
| Interest expense | 171,000 | 372,000 | 592,000 | 812,000 |
| Net interest income | 1,500,000 | 3,060,000 | 4,687,000 | 6,321,000 |
| Noninterest income | 224,000 | 459,000 | 642,000 | 865,000 |
| Noninterest expense | 1,083,000 | 2,140,000 | 3,185,000 | 4,246,000 |
| Provision for loan losses | 48,000 | 132,000 | 236,000 | 442,000 |
| Pretax income | 593,000 | 1,247,000 | 1,908,000 | 2,498,000 |
| Income tax | 143,000 | 301,000 | 460,000 | 601,000 |
| Net income | 450,000 | 946,000 | 1,448,000 | 1,897,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,416,000 | 20,553,000 | 20,694,000 | 20,615,000 |
| Total capital | 21,358,000 | 21,479,000 | 21,611,000 | 21,588,000 |
| Risk-weighted assets | 110,460,000 | 113,609,000 | 114,028,000 | 114,314,000 |