Call reports 2003
FARMERS CITIZENS BANK, THE — 2003
What FARMERS CITIZENS BANK, THE reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 147,059,000 | 147,316,000 | 149,629,000 | 149,890,000 |
| Total loans | 72,514,000 | 77,098,000 | 85,410,000 | 87,017,000 |
| Allowance for loan losses | 1,200,000 | 1,252,000 | 1,240,000 | 1,194,000 |
| Securities available for sale | 57,118,000 | 53,722,000 | 49,227,000 | 47,660,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 102,062,000 | 102,246,000 | 102,790,000 | 102,569,000 |
| Interest-bearing deposits | 88,233,000 | 89,737,000 | 89,119,000 | 89,364,000 |
| Noninterest-bearing deposits | 13,829,000 | 12,509,000 | 13,671,000 | 13,205,000 |
| Equity capital | 12,893,000 | 13,317,000 | 12,974,000 | 13,150,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,845,000 | 3,644,000 | 5,364,000 | 7,192,000 |
| Interest expense | 673,000 | 1,381,000 | 2,062,000 | 2,743,000 |
| Net interest income | 1,172,000 | 2,263,000 | 3,302,000 | 4,449,000 |
| Noninterest income | 229,000 | 571,000 | 822,000 | 1,161,000 |
| Noninterest expense | 1,108,000 | 2,208,000 | 3,334,000 | 4,476,000 |
| Provision for loan losses | 0 | 50,000 | 50,000 | 50,000 |
| Pretax income | 348,000 | 715,000 | 1,029,000 | 1,495,000 |
| Income tax | 59,000 | 126,000 | 150,000 | 229,000 |
| Net income | 289,000 | 589,000 | 879,000 | 1,266,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,448,000 | 12,646,000 | 12,831,000 | 13,034,000 |
| Total capital | 13,523,000 | 13,745,000 | 14,008,000 | 14,226,000 |
| Risk-weighted assets | 85,999,000 | 87,728,000 | 94,109,000 | 95,330,000 |