Call reports 2005
FARMERS CITIZENS BANK, THE — 2005
What FARMERS CITIZENS BANK, THE reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 162,328,000 | 167,218,000 | 178,859,000 | 174,717,000 |
| Total loans | 80,042,000 | 82,623,000 | 84,908,000 | 91,017,000 |
| Allowance for loan losses | 997,000 | 1,026,000 | 1,052,000 | 1,075,000 |
| Securities available for sale | 64,352,000 | 68,695,000 | 74,543,000 | 66,828,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 101,437,000 | 101,422,000 | 111,202,000 | 112,080,000 |
| Interest-bearing deposits | 86,566,000 | 87,877,000 | 92,911,000 | 91,948,000 |
| Noninterest-bearing deposits | 14,871,000 | 13,545,000 | 18,291,000 | 20,132,000 |
| Equity capital | 12,803,000 | 13,062,000 | 12,828,000 | 12,688,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,818,000 | 3,819,000 | 5,968,000 | 8,236,000 |
| Interest expense | 713,000 | 1,593,000 | 2,566,000 | 3,633,000 |
| Net interest income | 1,105,000 | 2,226,000 | 3,402,000 | 4,603,000 |
| Noninterest income | 269,000 | 507,000 | 776,000 | 1,066,000 |
| Noninterest expense | 1,193,000 | 2,437,000 | 3,753,000 | 4,914,000 |
| Provision for loan losses | 35,000 | 65,000 | 95,000 | 120,000 |
| Pretax income | 267,000 | 447,000 | 546,000 | 869,000 |
| Income tax | 48,000 | 84,000 | 86,000 | 173,000 |
| Net income | 219,000 | 363,000 | 460,000 | 696,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,266,000 | 13,250,000 | 13,188,000 | 13,624,000 |
| Total capital | 14,263,000 | 14,276,000 | 14,240,000 | 14,699,000 |
| Risk-weighted assets | 94,206,000 | 98,684,000 | 99,607,000 | 103,599,000 |