Call reports 2006
FARMERS CITIZENS BANK, THE — 2006
What FARMERS CITIZENS BANK, THE reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 175,074,000 | 176,614,000 | 182,927,000 | 184,383,000 |
| Total loans | 92,938,000 | 98,717,000 | 99,389,000 | 104,563,000 |
| Allowance for loan losses | 1,086,000 | 988,000 | 899,000 | 969,000 |
| Securities available for sale | 64,027,000 | 62,055,000 | 61,198,000 | 54,442,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 113,192,000 | 118,448,000 | 122,563,000 | 138,515,000 |
| Interest-bearing deposits | 96,945,000 | 102,260,000 | 104,168,000 | 113,456,000 |
| Noninterest-bearing deposits | 16,247,000 | 16,188,000 | 18,395,000 | 25,059,000 |
| Equity capital | 12,593,000 | 12,152,000 | 13,876,000 | 14,158,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 2,298,000 | 4,691,000 | 7,202,000 | 9,803,000 |
| Interest expense | 1,106,000 | 2,304,000 | 3,622,000 | 4,970,000 |
| Net interest income | 1,192,000 | 2,387,000 | 3,580,000 | 4,833,000 |
| Noninterest income | 268,000 | 595,000 | 899,000 | 1,186,000 |
| Noninterest expense | 1,327,000 | 2,639,000 | 3,958,000 | 5,260,000 |
| Provision for loan losses | 13,000 | 13,000 | 23,000 | 148,000 |
| Pretax income | 121,000 | 331,000 | 500,000 | 625,000 |
| Income tax | 26,000 | 77,000 | 106,000 | 106,000 |
| Net income | 95,000 | 254,000 | 394,000 | 519,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,718,000 | 13,877,000 | 14,697,000 | 14,821,000 |
| Total capital | 14,804,000 | 14,865,000 | 15,596,000 | 15,790,000 |
| Risk-weighted assets | 105,137,000 | 110,689,000 | 113,338,000 | 117,304,000 |