Call reports 2004
FARMERS CITIZENS BANK, THE — 2004
What FARMERS CITIZENS BANK, THE reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 152,213,000 | 151,577,000 | 150,459,000 | 148,321,000 |
| Total loans | 77,129,000 | 78,376,000 | 77,396,000 | 79,592,000 |
| Allowance for loan losses | 1,197,000 | 1,035,000 | 1,022,000 | 966,000 |
| Securities available for sale | 47,698,000 | 57,230,000 | 56,142,000 | 53,741,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 102,977,000 | 111,777,000 | 100,565,000 | 101,268,000 |
| Interest-bearing deposits | 89,783,000 | 99,241,000 | 86,411,000 | 86,952,000 |
| Noninterest-bearing deposits | 13,194,000 | 12,536,000 | 14,154,000 | 14,316,000 |
| Equity capital | 13,738,000 | 12,734,000 | 13,378,000 | 13,197,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,780,000 | 3,496,000 | 5,308,000 | 7,066,000 |
| Interest expense | 655,000 | 1,311,000 | 2,026,000 | 2,726,000 |
| Net interest income | 1,125,000 | 2,185,000 | 3,282,000 | 4,340,000 |
| Noninterest income | 273,000 | 570,000 | 884,000 | 1,147,000 |
| Noninterest expense | 1,105,000 | 2,245,000 | 3,491,000 | 4,639,000 |
| Provision for loan losses | 0 | 50,000 | 75,000 | 90,000 |
| Pretax income | 293,000 | 460,000 | 656,000 | 814,000 |
| Income tax | 22,000 | 19,000 | 16,000 | 45,000 |
| Net income | 271,000 | 441,000 | 640,000 | 769,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,263,000 | 13,321,000 | 13,208,000 | 13,185,000 |
| Total capital | 14,413,000 | 14,356,000 | 14,230,000 | 14,151,000 |
| Risk-weighted assets | 91,967,000 | 111,499,000 | 95,756,000 | 89,410,000 |