Call reports 2001
CITIZENS BANK OF FAYETTE, THE — 2001
What CITIZENS BANK OF FAYETTE, THE reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 154,012,000 | 159,128,000 | 158,956,000 | 159,389,000 |
| Total loans | 60,935,000 | 63,157,000 | 61,519,000 | 61,165,000 |
| Allowance for loan losses | 939,000 | 886,000 | 1,150,000 | 1,613,000 |
| Securities available for sale | 84,522,000 | 87,328,000 | 91,161,000 | 90,232,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 113,619,000 | 117,466,000 | 115,390,000 | 116,941,000 |
| Interest-bearing deposits | 99,190,000 | 102,551,000 | 99,903,000 | 99,957,000 |
| Noninterest-bearing deposits | 14,429,000 | 14,915,000 | 15,487,000 | 16,984,000 |
| Equity capital | 39,102,000 | 40,504,000 | 42,419,000 | 41,321,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 2,784,000 | 5,598,000 | 8,277,000 | 10,789,000 |
| Interest expense | 1,302,000 | 2,587,000 | 3,797,000 | 4,822,000 |
| Net interest income | 1,482,000 | 3,011,000 | 4,480,000 | 5,967,000 |
| Noninterest income | 181,000 | 338,000 | 485,000 | 620,000 |
| Noninterest expense | 482,000 | 988,000 | 1,484,000 | 2,262,000 |
| Provision for loan losses | 0 | 0 | 692,000 | 1,482,000 |
| Pretax income | 1,184,000 | 2,398,000 | 2,858,000 | 2,923,000 |
| Income tax | 15,000 | 30,000 | 45,000 | 170,000 |
| Net income | 1,169,000 | 2,368,000 | 2,813,000 | 2,753,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 37,760,000 | 38,959,000 | 39,404,000 | 39,343,000 |
| Total capital | 38,699,000 | 39,845,000 | 40,455,000 | 40,405,000 |
| Risk-weighted assets | 81,663,000 | 84,769,000 | 84,008,000 | 84,356,000 |