Call reports 2010
CITIZENS BANK OF FAYETTE, THE — 2010
What CITIZENS BANK OF FAYETTE, THE reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 197,661,000 | 190,099,000 | 188,059,000 | 187,711,000 |
| Total loans | 88,933,000 | 86,517,000 | 87,216,000 | 82,099,000 |
| Allowance for loan losses | 3,292,000 | 5,029,000 | 5,395,000 | 4,488,000 |
| Securities available for sale | 82,940,000 | 82,325,000 | 81,010,000 | 81,982,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 158,915,000 | 153,004,000 | 149,514,000 | 150,204,000 |
| Interest-bearing deposits | 134,280,000 | 133,008,000 | 129,682,000 | 128,542,000 |
| Noninterest-bearing deposits | 24,635,000 | 19,996,000 | 19,832,000 | 21,662,000 |
| Equity capital | 36,445,000 | 34,735,000 | 36,161,000 | 35,179,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 1,822,000 | 3,589,000 | 5,558,000 | 7,313,000 |
| Interest expense | 514,000 | 1,008,000 | 1,457,000 | 1,868,000 |
| Net interest income | 1,308,000 | 2,581,000 | 4,101,000 | 5,445,000 |
| Noninterest income | 98,000 | 304,000 | 470,000 | 739,000 |
| Noninterest expense | 751,000 | 1,688,000 | 2,377,000 | 3,808,000 |
| Provision for loan losses | 147,000 | 2,822,000 | 2,821,000 | 3,371,000 |
| Pretax income | 508,000 | -1,620,000 | -626,000 | -991,000 |
| Income tax | 40,000 | 54,000 | 68,000 | -83,000 |
| Net income | 468,000 | -1,674,000 | -694,000 | -908,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 34,680,000 | 32,538,000 | 33,518,000 | 33,304,000 |
| Total capital | 36,180,000 | 33,983,000 | 34,964,000 | 34,692,000 |
| Risk-weighted assets | 118,232,000 | 112,049,000 | 111,764,000 | 107,948,000 |