Call reports 2012
FARMERS CITIZENS BANK, THE — 2012
What FARMERS CITIZENS BANK, THE reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 354,358,000 | 354,765,000 | 360,389,000 | 367,696,000 |
| Total loans | 211,841,000 | 232,150,000 | 246,446,000 | 240,939,000 |
| Allowance for loan losses | 2,716,000 | 3,238,000 | 3,231,000 | 3,252,000 |
| Securities available for sale | 119,146,000 | 101,900,000 | 91,334,000 | 96,769,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 309,913,000 | 311,711,000 | 315,476,000 | 323,683,000 |
| Interest-bearing deposits | 300,468,000 | 301,939,000 | 306,252,000 | 286,392,000 |
| Noninterest-bearing deposits | 9,445,000 | 9,772,000 | 9,224,000 | 37,291,000 |
| Equity capital | 32,191,000 | 33,131,000 | 34,159,000 | 33,939,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 3,862,000 | 7,726,000 | 11,646,000 | 15,600,000 |
| Interest expense | 854,000 | 1,681,000 | 2,517,000 | 3,304,000 |
| Net interest income | 3,008,000 | 6,045,000 | 9,129,000 | 12,296,000 |
| Noninterest income | 666,000 | 1,274,000 | 2,025,000 | 2,887,000 |
| Noninterest expense | 2,529,000 | 5,144,000 | 7,783,000 | 10,735,000 |
| Provision for loan losses | 150,000 | 275,000 | 312,000 | 413,000 |
| Pretax income | 1,039,000 | 2,140,000 | 3,379,000 | 4,897,000 |
| Income tax | 278,000 | 573,000 | 893,000 | 1,320,000 |
| Net income | 761,000 | 1,567,000 | 2,486,000 | 3,577,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,639,000 | 31,053,000 | 31,624,000 | 32,405,000 |
| Total capital | 33,365,000 | 33,910,000 | 34,597,000 | 35,328,000 |
| Risk-weighted assets | 220,098,000 | 228,238,000 | 237,927,000 | 233,514,000 |