Call reports 2006
CITIZENS BANK OF FAYETTE, THE — 2006
What CITIZENS BANK OF FAYETTE, THE reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 175,481,000 | 172,945,000 | 174,349,000 | 174,860,000 |
| Total loans | 86,506,000 | 89,312,000 | 93,000,000 | 96,020,000 |
| Allowance for loan losses | 1,868,000 | 2,001,000 | 1,980,000 | 2,120,000 |
| Securities available for sale | 68,897,000 | 67,246,000 | 66,048,000 | 56,940,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 133,965,000 | 130,798,000 | 130,563,000 | 129,883,000 |
| Interest-bearing deposits | 114,078,000 | 110,287,000 | 110,259,000 | 111,452,000 |
| Noninterest-bearing deposits | 19,887,000 | 20,511,000 | 20,304,000 | 18,431,000 |
| Equity capital | 40,301,000 | 40,878,000 | 42,245,000 | 43,134,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 2,484,000 | 5,051,000 | 7,785,000 | 10,542,000 |
| Interest expense | 939,000 | 2,010,000 | 3,153,000 | 4,340,000 |
| Net interest income | 1,545,000 | 3,041,000 | 4,632,000 | 6,202,000 |
| Noninterest income | 184,000 | 382,000 | 579,000 | 796,000 |
| Noninterest expense | 629,000 | 1,222,000 | 2,045,000 | 2,884,000 |
| Provision for loan losses | 0 | 140,000 | 140,000 | 465,000 |
| Pretax income | 1,102,000 | 2,064,000 | 3,025,000 | 3,661,000 |
| Income tax | 63,000 | 126,000 | 189,000 | 217,000 |
| Net income | 1,039,000 | 1,938,000 | 2,836,000 | 3,444,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 41,126,000 | 42,025,000 | 42,924,000 | 43,531,000 |
| Total capital | 42,570,000 | 43,480,000 | 44,417,000 | 45,051,000 |
| Risk-weighted assets | 115,136,000 | 115,921,000 | 118,998,000 | 120,999,000 |