Call reports 2013
CITIZENS BANK OF FAYETTE, THE — 2013
What CITIZENS BANK OF FAYETTE, THE reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 195,711,000 | 196,091,000 | 193,101,000 | 193,972,000 |
| Total loans | 65,375,000 | 64,389,000 | 63,135,000 | 66,859,000 |
| Allowance for loan losses | 2,001,000 | 2,060,000 | 1,913,000 | 929,000 |
| Securities available for sale | 101,695,000 | 99,391,000 | 103,562,000 | 105,206,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 157,219,000 | 158,553,000 | 155,740,000 | 157,453,000 |
| Interest-bearing deposits | 132,211,000 | 135,659,000 | 132,387,000 | 130,553,000 |
| Noninterest-bearing deposits | 25,008,000 | 22,894,000 | 23,353,000 | 26,900,000 |
| Equity capital | 36,147,000 | 35,050,000 | 34,724,000 | 33,158,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,377,000 | 2,701,000 | 4,032,000 | 5,406,000 |
| Interest expense | 237,000 | 465,000 | 688,000 | 912,000 |
| Net interest income | 1,140,000 | 2,236,000 | 3,344,000 | 4,494,000 |
| Noninterest income | 121,000 | 391,000 | 544,000 | -369,000 |
| Noninterest expense | 729,000 | 1,462,000 | 2,206,000 | 3,218,000 |
| Provision for loan losses | 175,000 | 175,000 | 175,000 | 0 |
| Pretax income | 345,000 | 953,000 | 1,394,000 | 780,000 |
| Income tax | 113,000 | 225,000 | 337,000 | 35,000 |
| Net income | 232,000 | 728,000 | 1,057,000 | 745,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 34,567,000 | 35,063,000 | 35,392,000 | 34,079,000 |
| Total capital | 35,485,000 | 36,285,000 | 36,608,000 | 35,008,000 |
| Risk-weighted assets | 96,424,000 | 96,907,000 | 96,552,000 | 102,273,000 |