Call reports 2016
CITIZENS BANK OF FAYETTE, THE — 2016
What CITIZENS BANK OF FAYETTE, THE reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 193,513,000 | 193,181,000 | 190,538,000 | 188,992,000 |
| Total loans | 50,208,000 | 50,116,000 | 50,704,000 | 50,853,000 |
| Allowance for loan losses | 1,120,000 | 1,146,000 | 1,199,000 | 677,000 |
| Securities available for sale | 123,274,000 | 124,839,000 | 120,091,000 | 116,457,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 153,182,000 | 151,064,000 | 148,534,000 | 149,988,000 |
| Interest-bearing deposits | 123,379,000 | 120,886,000 | 118,822,000 | 121,578,000 |
| Noninterest-bearing deposits | 29,803,000 | 30,178,000 | 29,712,000 | 28,410,000 |
| Equity capital | 37,678,000 | 38,910,000 | 39,252,000 | 35,213,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,381,000 | 2,768,000 | 4,117,000 | 5,442,000 |
| Interest expense | 178,000 | 354,000 | 531,000 | 722,000 |
| Net interest income | 1,203,000 | 2,414,000 | 3,586,000 | 4,720,000 |
| Noninterest income | 102,000 | 212,000 | 344,000 | -327,000 |
| Noninterest expense | 804,000 | 1,469,000 | 2,197,000 | 3,178,000 |
| Provision for loan losses | 0 | 0 | 0 | -600,000 |
| Pretax income | 454,000 | 1,289,000 | 1,906,000 | 1,945,000 |
| Income tax | 21,000 | 49,000 | 98,000 | 98,000 |
| Net income | 433,000 | 1,240,000 | 1,808,000 | 1,847,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 36,329,000 | 37,136,000 | 37,704,000 | 36,744,000 |
| Total capital | 37,449,000 | 38,282,000 | 38,903,000 | 37,421,000 |
| Risk-weighted assets | 98,131,000 | 99,730,000 | 99,708,000 | 97,850,000 |