Call reports 2012
CITIZENS BANK OF FAYETTE, THE — 2012
What CITIZENS BANK OF FAYETTE, THE reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 196,207,000 | 195,688,000 | 194,878,000 | 195,202,000 |
| Total loans | 71,077,000 | 70,905,000 | 70,474,000 | 68,595,000 |
| Allowance for loan losses | 2,503,000 | 2,515,000 | 2,496,000 | 1,590,000 |
| Securities available for sale | 84,917,000 | 92,820,000 | 92,480,000 | 94,055,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 157,842,000 | 156,335,000 | 155,195,000 | 155,792,000 |
| Interest-bearing deposits | 134,416,000 | 133,821,000 | 132,170,000 | 130,673,000 |
| Noninterest-bearing deposits | 23,426,000 | 22,514,000 | 23,025,000 | 25,119,000 |
| Equity capital | 36,052,000 | 36,904,000 | 37,118,000 | 37,130,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,490,000 | 2,977,000 | 4,296,000 | 5,710,000 |
| Interest expense | 299,000 | 596,000 | 872,000 | 1,134,000 |
| Net interest income | 1,191,000 | 2,381,000 | 3,424,000 | 4,576,000 |
| Noninterest income | 194,000 | 407,000 | 590,000 | 724,000 |
| Noninterest expense | 715,000 | 1,388,000 | 2,111,000 | 3,151,000 |
| Provision for loan losses | 0 | 0 | 475,000 | 696,000 |
| Pretax income | 670,000 | 1,447,000 | 1,463,000 | 1,477,000 |
| Income tax | 112,000 | 225,000 | 259,000 | -67,000 |
| Net income | 558,000 | 1,222,000 | 1,204,000 | 1,544,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 34,349,000 | 35,013,000 | 34,995,000 | 35,335,000 |
| Total capital | 35,626,000 | 36,278,000 | 36,249,000 | 36,569,000 |
| Risk-weighted assets | 100,969,000 | 99,955,000 | 99,043,000 | 98,393,000 |