Call reports 2014
CITIZENS BANK OF FAYETTE, THE — 2014
What CITIZENS BANK OF FAYETTE, THE reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 196,074,000 | 195,997,000 | 196,234,000 | 196,615,000 |
| Total loans | 66,837,000 | 65,168,000 | 62,724,000 | 61,933,000 |
| Allowance for loan losses | 945,000 | 1,153,000 | 1,144,000 | 1,285,000 |
| Securities available for sale | 109,114,000 | 111,787,000 | 110,320,000 | 118,453,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 159,842,000 | 158,785,000 | 158,214,000 | 156,424,000 |
| Interest-bearing deposits | 132,934,000 | 132,352,000 | 126,869,000 | 123,427,000 |
| Noninterest-bearing deposits | 26,908,000 | 26,433,000 | 31,345,000 | 32,997,000 |
| Equity capital | 33,797,000 | 34,629,000 | 35,279,000 | 35,498,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,319,000 | 2,688,000 | 4,059,000 | 5,440,000 |
| Interest expense | 226,000 | 451,000 | 668,000 | 882,000 |
| Net interest income | 1,093,000 | 2,237,000 | 3,391,000 | 4,558,000 |
| Noninterest income | 226,000 | 371,000 | 527,000 | 738,000 |
| Noninterest expense | 774,000 | 1,488,000 | 2,178,000 | 3,135,000 |
| Provision for loan losses | 300,000 | 300,000 | 300,000 | 300,000 |
| Pretax income | 221,000 | 817,000 | 1,576,000 | 2,063,000 |
| Income tax | 112,000 | 225,000 | 338,000 | 84,000 |
| Net income | 109,000 | 592,000 | 1,238,000 | 1,979,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 34,188,000 | 34,671,000 | 35,317,000 | 35,059,000 |
| Total capital | 35,133,000 | 35,823,000 | 36,461,000 | 36,344,000 |
| Risk-weighted assets | 103,394,000 | 103,364,000 | 103,467,000 | 105,481,000 |