Call reports 2004
CITIZENS BANK OF FAYETTE, THE — 2004
What CITIZENS BANK OF FAYETTE, THE reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 167,027,000 | 163,946,000 | 163,710,000 | 163,495,000 |
| Total loans | 72,054,000 | 75,027,000 | 76,066,000 | 75,586,000 |
| Allowance for loan losses | 2,223,000 | 2,250,000 | 2,244,000 | 2,041,000 |
| Securities available for sale | 85,299,000 | 78,557,000 | 76,940,000 | 74,702,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 117,475,000 | 117,366,000 | 116,245,000 | 117,812,000 |
| Interest-bearing deposits | 101,577,000 | 100,853,000 | 99,000,000 | 100,574,000 |
| Noninterest-bearing deposits | 15,898,000 | 16,513,000 | 17,245,000 | 17,238,000 |
| Equity capital | 48,485,000 | 42,867,000 | 44,695,000 | 44,845,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 2,077,000 | 4,141,000 | 6,221,000 | 8,302,000 |
| Interest expense | 437,000 | 861,000 | 1,316,000 | 1,814,000 |
| Net interest income | 1,640,000 | 3,280,000 | 4,905,000 | 6,488,000 |
| Noninterest income | 223,000 | 398,000 | 562,000 | 691,000 |
| Noninterest expense | 562,000 | 1,115,000 | 1,727,000 | 2,609,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 1,306,000 | 2,555,000 | 3,744,000 | 4,573,000 |
| Income tax | 76,000 | 152,000 | 229,000 | 246,000 |
| Net income | 1,230,000 | 2,403,000 | 3,515,000 | 4,327,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 44,780,000 | 41,654,000 | 42,765,000 | 43,578,000 |
| Total capital | 46,070,000 | 42,973,000 | 44,096,000 | 44,898,000 |
| Risk-weighted assets | 102,269,000 | 104,550,000 | 105,549,000 | 104,894,000 |