Call reports 2002
CITIZENS BANK OF FAYETTE, THE — 2002
What CITIZENS BANK OF FAYETTE, THE reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 163,431,000 | 166,451,000 | 165,354,000 | 165,581,000 |
| Total loans | 62,210,000 | 63,206,000 | 64,234,000 | 64,905,000 |
| Allowance for loan losses | 1,616,000 | 1,490,000 | 2,167,000 | 2,088,000 |
| Securities available for sale | 95,084,000 | 94,988,000 | 93,419,000 | 89,172,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 120,333,000 | 120,384,000 | 117,637,000 | 117,281,000 |
| Interest-bearing deposits | 102,333,000 | 103,198,000 | 101,731,000 | 101,365,000 |
| Noninterest-bearing deposits | 18,000,000 | 17,186,000 | 15,906,000 | 15,916,000 |
| Equity capital | 42,304,000 | 45,182,000 | 46,797,000 | 47,261,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 2,484,000 | 4,970,000 | 7,378,000 | 9,759,000 |
| Interest expense | 835,000 | 1,610,000 | 2,344,000 | 3,033,000 |
| Net interest income | 1,649,000 | 3,360,000 | 5,034,000 | 6,726,000 |
| Noninterest income | 349,000 | 495,000 | 645,000 | 860,000 |
| Noninterest expense | 506,000 | 1,012,000 | 1,526,000 | 2,337,000 |
| Provision for loan losses | 0 | 92,000 | 1,213,000 | 1,370,000 |
| Pretax income | 1,508,000 | 2,776,000 | 2,998,000 | 3,911,000 |
| Income tax | 60,000 | 120,000 | 180,000 | 227,000 |
| Net income | 1,448,000 | 2,656,000 | 2,818,000 | 3,684,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 40,792,000 | 41,999,000 | 42,161,000 | 43,027,000 |
| Total capital | 41,874,000 | 43,095,000 | 43,285,000 | 44,226,000 |
| Risk-weighted assets | 86,002,000 | 87,238,000 | 88,825,000 | 95,040,000 |