Call reports 2009
FARMERS CITIZENS BANK, THE — 2009
What FARMERS CITIZENS BANK, THE reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 269,625,000 | 279,303,000 | 299,140,000 | 323,535,000 |
| Total loans | 157,243,000 | 169,884,000 | 181,050,000 | 180,964,000 |
| Allowance for loan losses | 1,512,000 | 1,623,000 | 1,880,000 | 2,028,000 |
| Securities available for sale | 86,683,000 | 74,943,000 | 96,787,000 | 113,469,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 221,139,000 | 227,990,000 | 252,522,000 | 277,339,000 |
| Interest-bearing deposits | 201,738,000 | 210,484,000 | 234,698,000 | 252,821,000 |
| Noninterest-bearing deposits | 19,401,000 | 17,506,000 | 17,824,000 | 24,518,000 |
| Equity capital | 19,732,000 | 19,343,000 | 20,817,000 | 21,559,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 3,423,000 | 7,051,000 | 10,856,000 | 14,744,000 |
| Interest expense | 1,618,000 | 3,291,000 | 5,002,000 | 6,807,000 |
| Net interest income | 1,805,000 | 3,760,000 | 5,854,000 | 7,937,000 |
| Noninterest income | 475,000 | 930,000 | 1,367,000 | 1,796,000 |
| Noninterest expense | 1,697,000 | 3,591,000 | 5,575,000 | 7,445,000 |
| Provision for loan losses | 150,000 | 400,000 | 875,000 | 1,175,000 |
| Pretax income | 436,000 | 901,000 | 1,441,000 | 2,075,000 |
| Income tax | 130,000 | 243,000 | 380,000 | 547,000 |
| Net income | 306,000 | 658,000 | 1,061,000 | 1,528,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,822,000 | 19,043,000 | 19,698,000 | 21,055,000 |
| Total capital | 20,344,000 | 20,676,000 | 21,588,000 | 23,093,000 |
| Risk-weighted assets | 175,002,000 | 189,236,000 | 197,069,000 | 196,634,000 |