Call reports 2005
CITIZENS BANK OF FAYETTE, THE — 2005
What CITIZENS BANK OF FAYETTE, THE reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 164,091,000 | 167,420,000 | 168,192,000 | 169,346,000 |
| Total loans | 76,073,000 | 81,381,000 | 83,868,000 | 85,505,000 |
| Allowance for loan losses | 2,114,000 | 2,104,000 | 2,169,000 | 1,833,000 |
| Securities available for sale | 76,275,000 | 75,395,000 | 69,659,000 | 68,017,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 122,131,000 | 124,619,000 | 124,384,000 | 125,010,000 |
| Interest-bearing deposits | 104,396,000 | 105,743,000 | 104,783,000 | 105,987,000 |
| Noninterest-bearing deposits | 17,735,000 | 18,876,000 | 19,601,000 | 19,023,000 |
| Equity capital | 41,065,000 | 41,917,000 | 42,830,000 | 43,139,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 2,099,000 | 4,305,000 | 6,617,000 | 8,949,000 |
| Interest expense | 563,000 | 1,226,000 | 1,962,000 | 2,780,000 |
| Net interest income | 1,536,000 | 3,079,000 | 4,655,000 | 6,169,000 |
| Noninterest income | 172,000 | 361,000 | 541,000 | 724,000 |
| Noninterest expense | 631,000 | 1,445,000 | 1,965,000 | 2,739,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 1,077,000 | 2,000,000 | 3,236,000 | 4,158,000 |
| Income tax | 64,000 | 126,000 | 189,000 | 249,000 |
| Net income | 1,013,000 | 1,874,000 | 3,047,000 | 3,909,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 40,791,000 | 41,652,000 | 42,826,000 | 43,687,000 |
| Total capital | 42,124,000 | 43,053,000 | 44,239,000 | 45,089,000 |
| Risk-weighted assets | 105,833,000 | 111,376,000 | 112,259,000 | 111,799,000 |