Call reports 2003
CITIZENS BANK OF FAYETTE, THE — 2003
What CITIZENS BANK OF FAYETTE, THE reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 168,053,000 | 168,955,000 | 166,064,000 | 168,945,000 |
| Total loans | 65,131,000 | 66,863,000 | 68,553,000 | 69,435,000 |
| Allowance for loan losses | 2,089,000 | 2,185,000 | 2,133,000 | 2,334,000 |
| Securities available for sale | 90,822,000 | 89,414,000 | 87,690,000 | 87,619,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 122,015,000 | 120,913,000 | 118,640,000 | 121,204,000 |
| Interest-bearing deposits | 104,773,000 | 104,517,000 | 103,050,000 | 105,437,000 |
| Noninterest-bearing deposits | 17,242,000 | 16,396,000 | 15,590,000 | 15,767,000 |
| Equity capital | 44,966,000 | 47,092,000 | 46,567,000 | 46,776,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 2,241,000 | 4,486,000 | 6,633,000 | 8,742,000 |
| Interest expense | 624,000 | 1,204,000 | 1,717,000 | 2,185,000 |
| Net interest income | 1,617,000 | 3,282,000 | 4,916,000 | 6,557,000 |
| Noninterest income | 209,000 | 441,000 | 651,000 | 896,000 |
| Noninterest expense | 566,000 | 1,124,000 | 1,629,000 | 2,469,000 |
| Provision for loan losses | 0 | 0 | 0 | 240,000 |
| Pretax income | 1,283,000 | 2,644,000 | 4,004,000 | 4,827,000 |
| Income tax | 62,000 | 124,000 | 186,000 | 303,000 |
| Net income | 1,221,000 | 2,520,000 | 3,818,000 | 4,524,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 40,248,000 | 41,546,000 | 42,845,000 | 43,550,000 |
| Total capital | 41,452,000 | 42,776,000 | 44,094,000 | 44,823,000 |
| Risk-weighted assets | 95,433,000 | 97,465,000 | 99,057,000 | 100,783,000 |