Call reports 2008
FARMERS CITIZENS BANK, THE — 2008
What FARMERS CITIZENS BANK, THE reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 219,886,000 | 227,858,000 | 234,289,000 | 244,763,000 |
| Total loans | 130,698,000 | 140,077,000 | 147,906,000 | 155,911,000 |
| Allowance for loan losses | 1,246,000 | 1,312,000 | 1,414,000 | 1,527,000 |
| Securities available for sale | 65,969,000 | 70,111,000 | 65,140,000 | 68,939,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 172,833,000 | 182,641,000 | 188,577,000 | 197,892,000 |
| Interest-bearing deposits | 154,899,000 | 163,524,000 | 170,629,000 | 177,696,000 |
| Noninterest-bearing deposits | 17,934,000 | 19,117,000 | 17,948,000 | 20,196,000 |
| Equity capital | 19,544,000 | 17,409,000 | 18,332,000 | 19,391,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 3,121,000 | 6,330,000 | 9,643,000 | 13,045,000 |
| Interest expense | 1,626,000 | 3,206,000 | 4,810,000 | 6,477,000 |
| Net interest income | 1,495,000 | 3,124,000 | 4,833,000 | 6,568,000 |
| Noninterest income | 421,000 | 934,000 | 1,368,000 | 1,801,000 |
| Noninterest expense | 1,499,000 | 3,069,000 | 4,678,000 | 6,188,000 |
| Provision for loan losses | 20,000 | 130,000 | 195,000 | 335,000 |
| Pretax income | 405,000 | 869,000 | 1,356,000 | 1,917,000 |
| Income tax | 134,000 | 289,000 | 462,000 | 614,000 |
| Net income | 271,000 | 580,000 | 894,000 | 1,303,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,834,000 | 18,137,000 | 18,451,000 | 18,639,000 |
| Total capital | 20,090,000 | 19,459,000 | 19,875,000 | 20,176,000 |
| Risk-weighted assets | 148,458,000 | 159,310,000 | 166,199,000 | 165,716,000 |