Call reports 2007
CITIZENS BANK OF FAYETTE, THE — 2007
What CITIZENS BANK OF FAYETTE, THE reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 187,439,000 | 191,864,000 | 193,886,000 | 199,956,000 |
| Total loans | 98,630,000 | 97,784,000 | 102,721,000 | 102,626,000 |
| Allowance for loan losses | 2,104,000 | 2,075,000 | 2,361,000 | 2,069,000 |
| Securities available for sale | 55,995,000 | 59,032,000 | 60,188,000 | 60,850,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 145,131,000 | 148,974,000 | 149,177,000 | 154,092,000 |
| Interest-bearing deposits | 124,196,000 | 128,545,000 | 129,543,000 | 134,804,000 |
| Noninterest-bearing deposits | 20,935,000 | 20,429,000 | 19,634,000 | 19,288,000 |
| Equity capital | 40,669,000 | 41,193,000 | 42,759,000 | 43,797,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 2,846,000 | 5,887,000 | 9,000,000 | 11,980,000 |
| Interest expense | 1,253,000 | 2,686,000 | 4,176,000 | 5,600,000 |
| Net interest income | 1,593,000 | 3,201,000 | 4,824,000 | 6,380,000 |
| Noninterest income | 200,000 | 425,000 | 626,000 | 836,000 |
| Noninterest expense | 641,000 | 1,212,000 | 1,792,000 | 2,634,000 |
| Provision for loan losses | 0 | 0 | 300,000 | 700,000 |
| Pretax income | 1,151,000 | 2,415,000 | 3,358,000 | 3,882,000 |
| Income tax | 63,000 | 127,000 | 190,000 | 252,000 |
| Net income | 1,088,000 | 2,288,000 | 3,168,000 | 3,630,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 40,919,000 | 42,119,000 | 42,999,000 | 43,461,000 |
| Total capital | 42,503,000 | 43,757,000 | 44,695,000 | 45,169,000 |
| Risk-weighted assets | 126,205,000 | 130,587,000 | 134,993,000 | 136,266,000 |