Call reports 2020
CITIZENS BANK OF ELDON — 2020
What CITIZENS BANK OF ELDON reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 158,622,000 | 170,776,000 | 175,557,000 | 180,769,000 |
| Total loans | 121,771,000 | 128,251,000 | 128,150,000 | 129,658,000 |
| Allowance for loan losses | 923,000 | 1,624,000 | 1,589,000 | 1,642,000 |
| Securities available for sale | 6,843,000 | 4,602,000 | 10,338,000 | 16,651,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 135,910,000 | 148,824,000 | 153,029,000 | 158,274,000 |
| Interest-bearing deposits | 99,746,000 | 104,041,000 | 105,370,000 | 107,608,000 |
| Noninterest-bearing deposits | 36,164,000 | 44,783,000 | 47,659,000 | 50,666,000 |
| Equity capital | 20,774,000 | 20,448,000 | 20,857,000 | 21,031,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 1,839,000 | 3,658,000 | 5,476,000 | 7,340,000 |
| Interest expense | 219,000 | 426,000 | 603,000 | 751,000 |
| Net interest income | 1,620,000 | 3,232,000 | 4,873,000 | 6,589,000 |
| Noninterest income | 224,000 | 413,000 | 629,000 | 882,000 |
| Noninterest expense | 1,086,000 | 2,202,000 | 3,268,000 | 4,304,000 |
| Provision for loan losses | 7,000 | 755,000 | 761,000 | 846,000 |
| Pretax income | 751,000 | 688,000 | 1,473,000 | 2,321,000 |
| Income tax | 222,000 | 157,000 | 354,000 | 559,000 |
| Net income | 529,000 | 531,000 | 1,119,000 | 1,762,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,784,000 | 20,426,000 | 20,846,000 | 21,024,000 |