Call reports 2015
CITIZENS BANK OF FAYETTE, THE — 2015
What CITIZENS BANK OF FAYETTE, THE reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 196,603,000 | 191,444,000 | 191,703,000 | 193,699,000 |
| Total loans | 59,567,000 | 57,613,000 | 53,700,000 | 52,572,000 |
| Allowance for loan losses | 1,103,000 | 1,170,000 | 1,055,000 | 1,136,000 |
| Securities available for sale | 117,039,000 | 115,801,000 | 119,906,000 | 120,131,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 157,432,000 | 152,733,000 | 151,591,000 | 153,537,000 |
| Interest-bearing deposits | 129,124,000 | 124,957,000 | 121,922,000 | 121,773,000 |
| Noninterest-bearing deposits | 28,308,000 | 27,776,000 | 29,668,000 | 31,764,000 |
| Equity capital | 36,705,000 | 36,188,000 | 37,534,000 | 36,433,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,374,000 | 2,748,000 | 4,171,000 | 5,508,000 |
| Interest expense | 213,000 | 404,000 | 591,000 | 774,000 |
| Net interest income | 1,161,000 | 2,344,000 | 3,580,000 | 4,734,000 |
| Noninterest income | 147,000 | 237,000 | 359,000 | 481,000 |
| Noninterest expense | 788,000 | 1,412,000 | 2,162,000 | 3,088,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 517,000 | 1,171,000 | 1,717,000 | 2,033,000 |
| Income tax | 14,000 | 55,000 | 80,000 | 96,000 |
| Net income | 503,000 | 1,116,000 | 1,637,000 | 1,937,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 35,562,000 | 36,175,000 | 36,696,000 | 35,896,000 |
| Total capital | 36,665,000 | 37,345,000 | 37,751,000 | 37,032,000 |
| Risk-weighted assets | 103,262,000 | 101,558,000 | 99,114,000 | 99,279,000 |