Call reports 2009
CITIZENS BANK OF FAYETTE, THE — 2009
What CITIZENS BANK OF FAYETTE, THE reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 190,338,000 | 192,047,000 | 191,267,000 | 190,646,000 |
| Total loans | 100,040,000 | 99,480,000 | 96,461,000 | 89,506,000 |
| Allowance for loan losses | 3,323,000 | 3,342,000 | 3,227,000 | 3,189,000 |
| Securities available for sale | 68,388,000 | 74,026,000 | 81,138,000 | 81,985,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 151,073,000 | 152,243,000 | 150,057,000 | 152,300,000 |
| Interest-bearing deposits | 122,240,000 | 129,603,000 | 130,532,000 | 131,260,000 |
| Noninterest-bearing deposits | 28,834,000 | 22,640,000 | 19,525,000 | 21,040,000 |
| Equity capital | 36,376,000 | 36,860,000 | 38,214,000 | 35,904,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 2,033,000 | 3,837,000 | 5,818,000 | 7,671,000 |
| Interest expense | 705,000 | 1,346,000 | 1,953,000 | 2,515,000 |
| Net interest income | 1,328,000 | 2,491,000 | 3,865,000 | 5,156,000 |
| Noninterest income | 214,000 | 402,000 | 601,000 | 1,321,000 |
| Noninterest expense | 723,000 | 1,742,000 | 3,117,000 | 4,104,000 |
| Provision for loan losses | 668,000 | 939,000 | 939,000 | 4,462,000 |
| Pretax income | 151,000 | 212,000 | 419,000 | -2,081,000 |
| Income tax | -1,000 | 36,000 | 25,000 | -84,000 |
| Net income | 152,000 | 176,000 | 394,000 | -1,997,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 36,368,000 | 36,392,000 | 36,610,000 | 34,218,000 |
| Total capital | 38,016,000 | 37,981,000 | 38,170,000 | 35,728,000 |
| Risk-weighted assets | 130,163,000 | 125,399,000 | 123,136,000 | 119,122,000 |