Call reports 2007
FARMERS CITIZENS BANK, THE — 2007
What FARMERS CITIZENS BANK, THE reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 188,341,000 | 193,899,000 | 201,451,000 | 211,602,000 |
| Total loans | 110,659,000 | 119,496,000 | 123,021,000 | 129,602,000 |
| Allowance for loan losses | 1,059,000 | 1,123,000 | 1,165,000 | 1,224,000 |
| Securities available for sale | 56,043,000 | 57,208,000 | 59,974,000 | 62,710,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 141,172,000 | 145,730,000 | 155,218,000 | 165,844,000 |
| Interest-bearing deposits | 120,404,000 | 129,134,000 | 137,636,000 | 146,483,000 |
| Noninterest-bearing deposits | 20,768,000 | 16,596,000 | 17,582,000 | 19,361,000 |
| Equity capital | 14,380,000 | 16,971,000 | 17,826,000 | 18,641,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 2,622,000 | 5,477,000 | 8,516,000 | 11,645,000 |
| Interest expense | 1,353,000 | 2,866,000 | 4,568,000 | 6,240,000 |
| Net interest income | 1,269,000 | 2,611,000 | 3,948,000 | 5,405,000 |
| Noninterest income | 284,000 | 649,000 | 1,023,000 | 1,395,000 |
| Noninterest expense | 1,272,000 | 2,593,000 | 3,962,000 | 5,413,000 |
| Provision for loan losses | 80,000 | 150,000 | 200,000 | 260,000 |
| Pretax income | 201,000 | 511,000 | 803,000 | 1,144,000 |
| Income tax | 51,000 | 141,000 | 216,000 | 365,000 |
| Net income | 150,000 | 370,000 | 587,000 | 779,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,946,000 | 18,313,000 | 18,527,000 | 18,744,000 |
| Total capital | 16,005,000 | 19,436,000 | 19,692,000 | 19,978,000 |
| Risk-weighted assets | 122,798,000 | 133,783,000 | 136,687,000 | 143,223,000 |