Call reports 2008
CITIZENS BANK OF FAYETTE, THE — 2008
What CITIZENS BANK OF FAYETTE, THE reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 198,700,000 | 187,373,000 | 189,057,000 | 190,066,000 |
| Total loans | 102,679,000 | 101,506,000 | 103,159,000 | 100,706,000 |
| Allowance for loan losses | 4,620,000 | 4,840,000 | 4,850,000 | 2,669,000 |
| Securities available for sale | 59,924,000 | 63,613,000 | 70,366,000 | 69,091,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 159,151,000 | 148,855,000 | 149,059,000 | 150,169,000 |
| Interest-bearing deposits | 132,451,000 | 127,825,000 | 127,927,000 | 122,927,000 |
| Noninterest-bearing deposits | 26,700,000 | 21,030,000 | 21,132,000 | 27,242,000 |
| Equity capital | 36,196,000 | 35,259,000 | 36,638,000 | 36,754,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 2,563,000 | 4,862,000 | 7,298,000 | 9,560,000 |
| Interest expense | 1,320,000 | 2,372,000 | 3,348,000 | 4,208,000 |
| Net interest income | 1,243,000 | 2,490,000 | 3,950,000 | 5,352,000 |
| Noninterest income | 220,000 | 429,000 | 651,000 | 871,000 |
| Noninterest expense | 697,000 | 1,422,000 | 2,178,000 | 3,190,000 |
| Provision for loan losses | 4,133,000 | 4,333,000 | 4,433,000 | 5,633,000 |
| Pretax income | -3,362,000 | -2,831,000 | -2,006,000 | -2,596,000 |
| Income tax | 58,000 | 116,000 | 174,000 | -170,000 |
| Net income | -3,420,000 | -2,947,000 | -2,180,000 | -2,426,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 35,220,000 | 35,693,000 | 36,460,000 | 36,216,000 |
| Total capital | 36,941,000 | 37,398,000 | 38,166,000 | 37,879,000 |
| Risk-weighted assets | 134,800,000 | 133,669,000 | 133,375,000 | 132,012,000 |