Call reports 2010
FARMERS CITIZENS BANK, THE — 2010
What FARMERS CITIZENS BANK, THE reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 334,568,000 | 352,416,000 | 358,290,000 | 355,839,000 |
| Total loans | 189,469,000 | 187,390,000 | 189,168,000 | 189,005,000 |
| Allowance for loan losses | 2,234,000 | 2,377,000 | 2,366,000 | 2,356,000 |
| Securities available for sale | 115,985,000 | 143,287,000 | 146,803,000 | 140,267,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 290,660,000 | 305,557,000 | 313,461,000 | 310,018,000 |
| Interest-bearing deposits | 271,394,000 | 284,911,000 | 289,459,000 | 285,775,000 |
| Noninterest-bearing deposits | 19,266,000 | 20,646,000 | 24,002,000 | 24,243,000 |
| Equity capital | 28,926,000 | 29,839,000 | 29,937,000 | 28,848,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 3,915,000 | 7,742,000 | 11,503,000 | 15,234,000 |
| Interest expense | 1,748,000 | 3,443,000 | 4,980,000 | 6,369,000 |
| Net interest income | 2,167,000 | 4,299,000 | 6,523,000 | 8,865,000 |
| Noninterest income | 417,000 | 856,000 | 1,279,000 | 1,759,000 |
| Noninterest expense | 1,997,000 | 3,931,000 | 5,930,000 | 7,888,000 |
| Provision for loan losses | 250,000 | 550,000 | 625,000 | 680,000 |
| Pretax income | 526,000 | 1,070,000 | 1,759,000 | 2,781,000 |
| Income tax | 108,000 | 254,000 | 465,000 | 790,000 |
| Net income | 418,000 | 816,000 | 1,294,000 | 1,991,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,747,000 | 28,044,000 | 28,197,000 | 28,574,000 |
| Total capital | 29,991,000 | 30,431,000 | 30,573,000 | 30,940,000 |
| Risk-weighted assets | 204,852,000 | 204,973,000 | 206,970,000 | 209,980,000 |