2011 Q4 Form 10-K Financial Statement

#000119312513115009 Filed on March 19, 2013

View on sec.gov

Income Statement

Concept 2011 Q4 2011 Q3 2011 Q2
Revenue $12.14M $12.27M $12.05M
YoY Change
Cost Of Revenue
YoY Change
Gross Profit
YoY Change
Gross Profit Margin
Selling, General & Admin
YoY Change
% of Gross Profit
Research & Development
YoY Change
% of Gross Profit
Depreciation & Amortization
YoY Change
% of Gross Profit
Operating Expenses
YoY Change
Operating Profit
YoY Change
Interest Expense
YoY Change
% of Operating Profit
Other Income/Expense, Net
YoY Change
Pretax Income $1.950M $1.500M $500.0K
YoY Change 712.5% -162.5% -172.46%
Income Tax $460.0K $310.0K -$30.00K
% Of Pretax Income 23.59% 20.67% -6.0%
Net Earnings $1.489M $1.193M $523.0K
YoY Change 325.43% -185.83% -301.15%
Net Earnings / Revenue 12.27% 9.73% 4.34%
Basic Earnings Per Share $0.15 $0.12 $0.03
Diluted Earnings Per Share $0.15 $0.12 $0.03
COMMON SHARES
Basic Shares Outstanding
Diluted Shares Outstanding

Balance Sheet

Concept 2011 Q4 2011 Q3 2011 Q2
SHORT-TERM ASSETS
Cash & Short-Term Investments
YoY Change
Cash & Equivalents
Short-Term Investments
Other Short-Term Assets
YoY Change
Inventory
Prepaid Expenses
Receivables
Other Receivables
Total Short-Term Assets
YoY Change
LONG-TERM ASSETS
Property, Plant & Equipment $17.77M $18.00M $18.20M
YoY Change -1.8% -2.17% -2.67%
Goodwill $21.72M
YoY Change
Intangibles $4.113M
YoY Change
Long-Term Investments
YoY Change
Other Assets
YoY Change
Total Long-Term Assets
YoY Change
TOTAL ASSETS
Total Short-Term Assets
Total Long-Term Assets
Total Assets $1.113B $1.145B $1.089B
YoY Change 1.12% 2.58% -2.64%
SHORT-TERM LIABILITIES
YoY Change
Accounts Payable
YoY Change
Accrued Expenses $10.50M $9.500M $8.400M
YoY Change 38.16% -16.67% -35.88%
Deferred Revenue
YoY Change
Short-Term Debt $19.00M $21.60M $20.80M
YoY Change -20.5% -7.69% -3.7%
Long-Term Debt Due
YoY Change
Total Short-Term Liabilities $10.50M $9.500M $8.400M
YoY Change 38.16% -16.67% -35.88%
LONG-TERM LIABILITIES
Long-Term Debt $29.40M $29.40M $29.40M
YoY Change 0.0% 0.0% 0.0%
Other Long-Term Liabilities
YoY Change
Total Long-Term Liabilities $29.40M $29.40M $29.40M
YoY Change 0.0% 0.0% 0.0%
TOTAL LIABILITIES
Total Short-Term Liabilities $10.50M $9.500M $8.400M
Total Long-Term Liabilities $29.40M $29.40M $29.40M
Total Liabilities $1.010B $1.043B $989.3M
YoY Change 0.67% 2.48% -2.87%
SHAREHOLDERS EQUITY
Retained Earnings -$17.67M
YoY Change
Common Stock $114.4M
YoY Change
Preferred Stock
YoY Change
Treasury Stock (at cost) $17.24M
YoY Change
Treasury Stock Shares 748.0K shares
Shareholders Equity $102.5M $102.5M $99.80M
YoY Change
Total Liabilities & Shareholders Equity $1.113B $1.145B $1.089B
YoY Change 1.12% 2.58% -2.64%

Cashflow Statement

Concept 2011 Q4 2011 Q3 2011 Q2
OPERATING ACTIVITIES
Net Income $1.489M $1.193M $523.0K
YoY Change 325.43% -185.83% -301.15%
Depreciation, Depletion And Amortization
YoY Change
Cash From Operating Activities $7.870M $5.080M $1.990M
YoY Change -6.31% 383.81% -75.25%
INVESTING ACTIVITIES
Capital Expenditures -$140.0K -$250.0K -$590.0K
YoY Change 0.0% -52.83% 110.71%
Acquisitions
YoY Change
Other Investing Activities -$7.710M -$13.31M -$23.30M
YoY Change -159.58% -204.89% 481.05%
Cash From Investing Activities -$7.850M -$13.56M -$23.90M
YoY Change -161.33% -211.51% 457.11%
FINANCING ACTIVITIES
Cash Dividend Paid
YoY Change
Common Stock Issuance & Retirement, Net
YoY Change
Debt Paid & Issued, Net
YoY Change
Cash From Financing Activities -33.64M 51.97M -29.68M
YoY Change 227.56% 13225.64% -503.81%
NET CHANGE
Cash From Operating Activities 7.870M 5.080M 1.990M
Cash From Investing Activities -7.850M -13.56M -23.90M
Cash From Financing Activities -33.64M 51.97M -29.68M
Net Change In Cash -33.62M 43.49M -51.59M
YoY Change -407.59% 219.78% -564.77%
FREE CASH FLOW
Cash From Operating Activities $7.870M $5.080M $1.990M
Capital Expenditures -$140.0K -$250.0K -$590.0K
Free Cash Flow $8.010M $5.330M $2.580M
YoY Change -6.21% 237.34% -68.99%

Facts In Submission

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2587000
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76261000
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CY2012Q4 us-gaap Financing Receivable Recorded Investment Past Due
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22202000
CY2012Q4 us-gaap Federal Home Loan Bank Advances Short Term
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40261000
CY2012Q4 us-gaap Loans Receivable Held For Sale Net
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1839000
CY2012Q4 us-gaap Financing Receivable Recorded Investment90 Days Past Due And Still Accruing
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80000
CY2012Q4 us-gaap Available For Sale Securities Debt Maturities After Ten Years Fair Value
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CY2012Q4 us-gaap Finite Lived Intangible Assets Amortization Expense Year Two
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CY2012Q4 us-gaap Available For Sale Securities Debt Maturities After One Through Five Years Fair Value
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20000
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0.0485 pure
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847000
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13024000
CY2012Q4 us-gaap Federal Home Loan Bank Advances Branch Of Fhlb Bank Due Date Earliest
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7496000
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7444000
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CY2012Q4 us-gaap Federal Home Loan Bank Advances Maturities Summary
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40261000
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292000
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16319000
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17235000
CY2012Q4 us-gaap Federal Home Loan Bank Advances
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40261000
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21059000
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CY2012Q4 us-gaap Federal Home Loan Bank Advances General Debt Obligations Disclosures Collateral Pledged1
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95792000
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CY2012Q4 us-gaap Federal Home Loan Bank Advances Maturities Summary Due Within One Year Of Balance Sheet Date
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2500000
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2249000
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434000
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22532000
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310000
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1619000
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310000
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1606000
CY2011 us-gaap Share Based Compensation Arrangements By Share Based Payment Award Options Forfeitures In Period Weighted Average Exercise Price
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CY2011 us-gaap Share Based Compensation Arrangement By Share Based Payment Award Options Grants In Period Gross
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11930000
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CY2011 us-gaap Interest Paid
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CY2011 us-gaap Share Based Compensation Arrangements By Share Based Payment Award Options Grants In Period Weighted Average Exercise Price
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3120000
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CY2011 us-gaap Deferred Income Tax Expense Benefit
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-366000
CY2011 us-gaap Payments For Proceeds From Loans And Leases
PaymentsForProceedsFromLoansAndLeases
29965000
CY2011 us-gaap Net Income Loss
NetIncomeLoss
3958000
CY2011 us-gaap Loans And Leases Receivable Related Parties Period Increase Decrease
LoansAndLeasesReceivableRelatedPartiesPeriodIncreaseDecrease
-110000
CY2011 us-gaap Noninterest Income
NoninterestIncome
10442000
CY2011 us-gaap Earnings Per Share Diluted
EarningsPerShareDiluted
0.36
CY2011 us-gaap Information Technology And Data Processing
InformationTechnologyAndDataProcessing
820000
CY2011 us-gaap Taxes Other
TaxesOther
969000
CY2011 us-gaap Weighted Average Number Of Diluted Shares Outstanding
WeightedAverageNumberOfDilutedSharesOutstanding
7707917000 shares
CY2011 us-gaap Net Cash Provided By Used In Financing Activities
NetCashProvidedByUsedInFinancingActivities
2540000
CY2011 us-gaap Other Comprehensive Income Loss Reclassification Adjustment For Sale Of Securities Included In Net Income Tax
OtherComprehensiveIncomeLossReclassificationAdjustmentForSaleOfSecuritiesIncludedInNetIncomeTax
3000
CY2011 us-gaap Proceeds From Sale Of Loans Held For Sale
ProceedsFromSaleOfLoansHeldForSale
8393000
CY2011 us-gaap Other Comprehensive Income Loss Reclassification Adjustment For Sale Of Securities Included In Net Income Before Tax
OtherComprehensiveIncomeLossReclassificationAdjustmentForSaleOfSecuritiesIncludedInNetIncomeBeforeTax
8000
CY2011 us-gaap Weighted Average Number Diluted Shares Outstanding Adjustment
WeightedAverageNumberDilutedSharesOutstandingAdjustment
shares
CY2011 us-gaap Gain Loss On Sale Of Securities Net
GainLossOnSaleOfSecuritiesNet
-8000
CY2011 us-gaap Defined Benefit Plan Service Cost
DefinedBenefitPlanServiceCost
846000
CY2011 us-gaap Gain Loss On Investments
GainLossOnInvestments
-3000
CY2011 us-gaap Comprehensive Income Net Of Tax
ComprehensiveIncomeNetOfTax
6968000
CY2011 us-gaap Proceeds From Maturities Prepayments And Calls Of Available For Sale Securities
ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities
61092000
CY2011 us-gaap Loans And Leases Receivable Related Parties Additions
LoansAndLeasesReceivableRelatedPartiesAdditions
4470000
CY2011 us-gaap Interest Income Expense After Provision For Loan Loss
InterestIncomeExpenseAfterProvisionForLoanLoss
31561000
CY2011 us-gaap Defined Benefit Plan Contributions By Employer
DefinedBenefitPlanContributionsByEmployer
1152000
CY2011 us-gaap Increase Decrease In Interest Payable Net
IncreaseDecreaseInInterestPayableNet
-104000
CY2011 us-gaap Interest Income Expense Net
InterestIncomeExpenseNet
41361000
CY2011 us-gaap Other Comprehensive Income Loss Pension And Other Postretirement Benefit Plans Adjustment Before Tax
OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansAdjustmentBeforeTax
1962000
CY2011 us-gaap Income Tax Reconciliation Other Adjustments
IncomeTaxReconciliationOtherAdjustments
-10000
CY2011 us-gaap Income Tax Expense Benefit
IncomeTaxExpenseBenefit
847000
CY2011 us-gaap Increase Decrease In Federal Funds Purchased And Securities Sold Under Agreements To Repurchase Net
IncreaseDecreaseInFederalFundsPurchasedAndSecuritiesSoldUnderAgreementsToRepurchaseNet
-2813000
CY2011 us-gaap Payments To Acquire Life Insurance Policies
PaymentsToAcquireLifeInsurancePolicies
5000000
CY2011 us-gaap Interest Expense Other
InterestExpenseOther
33000
CY2011 us-gaap Increase Decrease In Deposits
IncreaseDecreaseInDeposits
8783000
CY2011 us-gaap Payments To Acquire Property Plant And Equipment
PaymentsToAcquirePropertyPlantAndEquipment
1244000
CY2011 us-gaap Loans And Leases Receivable Related Parties Collections
LoansAndLeasesReceivableRelatedPartiesCollections
2817000
CY2011 us-gaap Noninterest Expense
NoninterestExpense
37198000
CY2011 us-gaap Proceeds From Federal Home Loan Bank Borrowings
ProceedsFromFederalHomeLoanBankBorrowings
22500000
CY2011 us-gaap Defined Benefit Plan Expected Return On Plan Assets
DefinedBenefitPlanExpectedReturnOnPlanAssets
828000
CY2011 us-gaap Net Income Loss Available To Common Stockholders Basic
NetIncomeLossAvailableToCommonStockholdersBasic
2782000
CY2011 us-gaap Amortization Of Intangible Assets
AmortizationOfIntangibleAssets
1162000
CY2011 us-gaap Current Income Tax Expense Benefit
CurrentIncomeTaxExpenseBenefit
1213000
CY2011 us-gaap Dividends Preferred Stock Cash
DividendsPreferredStockCash
1159000
CY2011 us-gaap Occupancy Net
OccupancyNet
2195000
CY2011 us-gaap Share Based Compensation Arrangement By Share Based Payment Award Options Forfeitures In Period
ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsForfeituresInPeriod
shares
CY2011 us-gaap Professional Fees
ProfessionalFees
1259000
CY2011 us-gaap Payments To Acquire Available For Sale Securities
PaymentsToAcquireAvailableForSaleSecurities
76765000
CY2011 us-gaap Depreciation
Depreciation
1551000
CY2011 us-gaap Proceeds From Sale Of Federal Reserve Stock
ProceedsFromSaleOfFederalReserveStock
83000
CY2011 us-gaap Proceeds From Sale Of Other Real Estate
ProceedsFromSaleOfOtherRealEstate
1326000
CY2011 us-gaap Lease And Rental Expense
LeaseAndRentalExpense
322000
CY2011 us-gaap Defined Contribution Plan Employer Discretionary Contribution Amount
DefinedContributionPlanEmployerDiscretionaryContributionAmount
168000
CY2011 us-gaap Interest Expense
InterestExpense
7500000
CY2011 us-gaap Net Income Loss Available To Common Stockholders Diluted
NetIncomeLossAvailableToCommonStockholdersDiluted
2782000
CY2011 us-gaap Other Comprehensive Income Unrealized Holding Gain Loss On Securities Arising During Period Tax
OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodTax
2215000
CY2011 us-gaap Income Tax Reconciliation Income Tax Expense Benefit At Federal Statutory Income Tax Rate
IncomeTaxReconciliationIncomeTaxExpenseBenefitAtFederalStatutoryIncomeTaxRate
1634000
CY2011 us-gaap Proceeds From Sale Of Property Plant And Equipment
ProceedsFromSaleOfPropertyPlantAndEquipment
2000
CY2011 us-gaap Net Cash Provided By Used In Operating Activities
NetCashProvidedByUsedInOperatingActivities
20845000
CY2011 us-gaap Defined Benefit Plan Interest Cost
DefinedBenefitPlanInterestCost
798000
CY2011 us-gaap Interest Income Securities Taxable
InterestIncomeSecuritiesTaxable
5490000
CY2011 fcza Income Tax Reconciliation Bank Owned Life Insurance Income
IncomeTaxReconciliationBankOwnedLifeInsuranceIncome
219000
CY2011 fcza Defined Benefit Plan Amortization And Deferrals Net
DefinedBenefitPlanAmortizationAndDeferralsNet
342000
CY2011 fcza Financing Receivable Number Of Contracts
FinancingReceivableNumberOfContracts
8 Contract
CY2011 fcza Income Tax Reconciliation Nontaxable Interest Income
IncomeTaxReconciliationNontaxableInterestIncome
-558000
CY2011 fcza Originations Of Loans Held For Sale
OriginationsOfLoansHeldForSale
8852000
CY2011 fcza Automated Teller Machine Expense
AutomatedTellerMachineExpense
603000
CY2011 fcza Automated Teller Machine Fees
AutomatedTellerMachineFees
1814000
CY2011 fcza Average Reserve Balance Under Federal Reserve Board Requirements
AverageReserveBalanceUnderFederalReserveBoardRequirements
998000
CY2011 fcza Computer Center Data Processing Fees
ComputerCenterDataProcessingFees
256000
CY2011 fcza Earnings Per Common Share Basic And Diluted
EarningsPerCommonShareBasicAndDiluted
0.36
CY2011 fcza Federal Funds Sold And Other
FederalFundsSoldAndOther
92000
CY2011 fcza Financing Receivable Post Modification Recorded Investment
FinancingReceivablePostModificationRecordedInvestment
3691000
CY2011 fcza Financing Receivable Pre Modification Outstanding Recorded Investment
FinancingReceivablePreModificationOutstandingRecordedInvestment
3760000
CY2011 fcza Increase Decrease In Us Treasury Interest Bearing Demand Note Payable
IncreaseDecreaseInUsTreasuryInterestBearingDemandNotePayable
2008000
CY2011 fcza Salaries Wages And Benefits
SalariesWagesAndBenefits
19349000
CY2011 fcza Transfer Of Loans From Portfolio To Other Real Estate Owned
TransferOfLoansFromPortfolioToOtherRealEstateOwned
1180000
CY2011 fcza Repossession Expense
RepossessionExpense
837000
CY2011 fcza Prepaid Federal Deposit Insurance Corporation Premium
PrepaidFederalDepositInsuranceCorporationPremium
-1163000
CY2011 fcza Increase Decrease In Net Deferred Loan Fees
IncreaseDecreaseInNetDeferredLoanFees
-529000
CY2011 fcza Security Amortization Accretion Net
SecurityAmortizationAccretionNet
2195000
CY2011 fcza Percentage Of Insurance Commission Revenue Of Revenue
PercentageOfInsuranceCommissionRevenueOfRevenue
Less than 1.0%
CY2011 fcza Gain On Sale Of Securities
GainOnSaleOfSecurities
5000
CY2011 fcza Loss On Sale Of Securities
LossOnSaleOfSecurities
13000
CY2012 dei Document Fiscal Period Focus
DocumentFiscalPeriodFocus
FY
CY2012 dei Entity Voluntary Filers
EntityVoluntaryFilers
No
CY2012 dei Document Fiscal Year Focus
DocumentFiscalYearFocus
2012
CY2012 dei Document Type
DocumentType
10-K
CY2012 us-gaap Increase Decrease In Other Operating Liabilities
IncreaseDecreaseInOtherOperatingLiabilities
1073000
CY2012 dei Document Period End Date
DocumentPeriodEndDate
2012-12-31
CY2012 dei Entity Central Index Key
EntityCentralIndexKey
0000944745
CY2012 dei Entity Well Known Seasoned Issuer
EntityWellKnownSeasonedIssuer
No
CY2012 dei Current Fiscal Year End Date
CurrentFiscalYearEndDate
--12-31
CY2012 dei Trading Symbol
TradingSymbol
FCZA
CY2012 dei Entity Registrant Name
EntityRegistrantName
FIRST CITIZENS BANC CORP /OH
CY2012 dei Entity Current Reporting Status
EntityCurrentReportingStatus
Yes
CY2012 dei Amendment Flag
AmendmentFlag
false
CY2012 dei Entity Filer Category
EntityFilerCategory
Smaller Reporting Company
CY2012 us-gaap Repayments Of Federal Home Loan Bank Borrowings
RepaymentsOfFederalHomeLoanBankBorrowings
10034000
CY2012 us-gaap Stock Issued During Period Shares Stock Options Exercised
StockIssuedDuringPeriodSharesStockOptionsExercised
shares
CY2012 us-gaap Preferred Stock Dividends And Other Adjustments
PreferredStockDividendsAndOtherAdjustments
1193000
CY2012 us-gaap Federal Deposit Insurance Corporation Premium Expense
FederalDepositInsuranceCorporationPremiumExpense
847000
CY2012 us-gaap Interest Expense Deposits
InterestExpenseDeposits
3800000
CY2012 us-gaap Prior Period Reclassification Adjustment Description
PriorPeriodReclassificationAdjustmentDescription
<div> <p style="MARGIN-TOP: 12px; MARGIN-BOTTOM: 0px"><font style="FONT-FAMILY: Times New Roman" size="2"><u>Reclassifications:</u> Some items in the prior year financial statements were reclassified to conform to the current presentation. Such reclassifications had no effect on net income or shareholders&#x2019; equity.</font></p> </div>
CY2012 us-gaap Impaired Financing Receivable Average Recorded Investment
ImpairedFinancingReceivableAverageRecordedInvestment
26720000
CY2012 us-gaap Net Cash Provided By Used In Investing Activities
NetCashProvidedByUsedInInvestingActivities
-39540000
CY2012 us-gaap Income Taxes Paid
IncomeTaxesPaid
400000
CY2012 us-gaap Defined Benefit Plan Assumptions Used Calculating Net Periodic Benefit Cost Expected Long Term Return On Assets
DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostExpectedLongTermReturnOnAssets
0.0700 pure
CY2012 us-gaap Defined Benefit Plan Target Plan Asset Allocations
DefinedBenefitPlanTargetPlanAssetAllocations
1.000 pure
CY2012 us-gaap Share Based Compensation Arrangements By Share Based Payment Award Options Exercises In Period Weighted Average Exercise Price
ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsExercisesInPeriodWeightedAverageExercisePrice
CY2012 us-gaap Share Based Compensation Arrangement By Share Based Payment Award Options Grants In Period Gross
ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodGross
shares
CY2012 us-gaap Weighted Average Number Of Shares Outstanding Basic
WeightedAverageNumberOfSharesOutstandingBasic
7707917000 shares
CY2012 us-gaap Allowance For Doubtful Accounts Receivable Charge Offs
AllowanceForDoubtfulAccountsReceivableChargeOffs
9479000
CY2012 us-gaap Equipment Expense
EquipmentExpense
1223000
CY2012 us-gaap Dividends Common Stock Cash
DividendsCommonStockCash
925000
CY2012 us-gaap Interest And Dividend Income Operating
InterestAndDividendIncomeOperating
46762000
CY2012 us-gaap Income Loss From Continuing Operations Before Income Taxes Minority Interest And Income Loss From Equity Method Investments
IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments
7304000
CY2012 us-gaap Interest And Fee Income Loans And Leases
InterestAndFeeIncomeLoansAndLeases
40048000
CY2012 us-gaap Impaired Financing Receivable Interest Income Accrual Method
ImpairedFinancingReceivableInterestIncomeAccrualMethod
1818000
CY2012 us-gaap Other Noninterest Expense
OtherNoninterestExpense
6417000
CY2012 us-gaap Increase Decrease In Accrued Interest Receivable Net
IncreaseDecreaseInAccruedInterestReceivableNet
-78000
CY2012 us-gaap Defined Benefit Plan Actuarial Gain Loss
DefinedBenefitPlanActuarialGainLoss
-3474000
CY2012 us-gaap Defined Benefit Plan Actual Return On Plan Assets
DefinedBenefitPlanActualReturnOnPlanAssets
1181000
CY2012 us-gaap Share Based Compensation Arrangement By Share Based Payment Award Award Vesting Period1
ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPeriod1
P3Y
CY2012 us-gaap Interest Paid
InterestPaid
6257000
CY2012 us-gaap Weighted Average Number Of Share Outstanding Basic And Diluted
WeightedAverageNumberOfShareOutstandingBasicAndDiluted
7707917000 shares
CY2012 us-gaap Defined Benefit Plan Net Periodic Benefit Cost
DefinedBenefitPlanNetPeriodicBenefitCost
1355000
CY2012 us-gaap Share Based Compensation Arrangements By Share Based Payment Award Options Grants In Period Weighted Average Exercise Price
ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsGrantsInPeriodWeightedAverageExercisePrice
CY2012 us-gaap Provision For Doubtful Accounts
ProvisionForDoubtfulAccounts
6400000
CY2012 us-gaap Fees And Commissions Fiduciary And Trust Activities
FeesAndCommissionsFiduciaryAndTrustActivities
2163000
CY2012 us-gaap Stock Repurchased During Period Value
StockRepurchasedDuringPeriodValue
564000
CY2012 us-gaap Defined Benefit Plan Administration Expenses
DefinedBenefitPlanAdministrationExpenses
-37000
CY2012 us-gaap Cash And Cash Equivalents Period Increase Decrease
CashAndCashEquivalentsPeriodIncreaseDecrease
-5996000
CY2012 us-gaap Marketing Expense
MarketingExpense
625000
CY2012 us-gaap Defined Benefit Plan Benefits Paid
DefinedBenefitPlanBenefitsPaid
658000
CY2012 us-gaap Provision For Loan Losses Expensed
ProvisionForLoanLossesExpensed
6400000
CY2012 us-gaap Other Comprehensive Income Unrealized Holding Gain Loss On Securities Arising During Period Before Tax
OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodBeforeTax
628000
CY2012 us-gaap Payments To Acquire Federal Reserve Stock
PaymentsToAcquireFederalReserveStock
185000
CY2012 us-gaap Interest Expense Subordinated Notes And Debentures
InterestExpenseSubordinatedNotesAndDebentures
833000
CY2012 us-gaap Available For Sale Securities Gross Realized Gains Losses Sale Proceeds
AvailableForSaleSecuritiesGrossRealizedGainsLossesSaleProceeds
12982000
CY2012 us-gaap Allowance For Doubtful Accounts Receivable Recoveries
AllowanceForDoubtfulAccountsReceivableRecoveries
1564000
CY2012 us-gaap Proceeds From Sale Of Available For Sale Securities
ProceedsFromSaleOfAvailableForSaleSecurities
12982000
CY2012 us-gaap Interest Expense Federal Home Loan Bank And Federal Reserve Bank Advances Short Term
InterestExpenseFederalHomeLoanBankAndFederalReserveBankAdvancesShortTerm
1530000
CY2012 us-gaap Share Based Compensation Arrangements By Share Based Payment Award Options Forfeitures In Period Weighted Average Exercise Price
ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsForfeituresInPeriodWeightedAverageExercisePrice
CY2012 us-gaap Gain Loss On Sales Of Loans Net
GainLossOnSalesOfLoansNet
624000
CY2012 us-gaap Servicing Fees Net
ServicingFeesNet
4329000
CY2012 us-gaap Other Comprehensive Income Reclassification Of Defined Benefit Plans Net Gain Loss Recognized In Net Periodic Benefit Cost Before Tax
OtherComprehensiveIncomeReclassificationOfDefinedBenefitPlansNetGainLossRecognizedInNetPeriodicBenefitCostBeforeTax
-2829000
CY2012 us-gaap Bank Owned Life Insurance Income
BankOwnedLifeInsuranceIncome
627000
CY2012 us-gaap Line Of Credit Facility Maximum Amount Outstanding During Period
LineOfCreditFacilityMaximumAmountOutstandingDuringPeriod
0
CY2012 us-gaap Other Comprehensive Income Loss Net Of Tax
OtherComprehensiveIncomeLossNetOfTax
-1479000
CY2012 us-gaap Earnings Per Share Basic
EarningsPerShareBasic
0.57
CY2012 us-gaap Interest Income Securities Tax Exempt
InterestIncomeSecuritiesTaxExempt
1895000
CY2012 us-gaap Noninterest Income Other Operating Income
NoninterestIncomeOtherOperatingIncome
1172000
CY2012 us-gaap Other Comprehensive Income Loss Pension And Other Postretirement Benefit Plans Tax
OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansTax
962000
CY2012 us-gaap Defined Benefit Plan Amounts Recognized In Other Comprehensive Income Net Prior Service Cost Credit Before Tax
DefinedBenefitPlanAmountsRecognizedInOtherComprehensiveIncomeNetPriorServiceCostCreditBeforeTax
4184000
CY2012 us-gaap Payments Of Dividends Preferred Stock And Preference Stock
PaymentsOfDividendsPreferredStockAndPreferenceStock
2084000
CY2012 us-gaap Gains Losses On Sales Of Other Real Estate
GainsLossesOnSalesOfOtherRealEstate
118000
CY2012 us-gaap Deferred Income Tax Expense Benefit
DeferredIncomeTaxExpenseBenefit
330000
CY2012 us-gaap Payments For Proceeds From Loans And Leases
PaymentsForProceedsFromLoansAndLeases
39138000
CY2012 us-gaap Net Income Loss
NetIncomeLoss
5579000
CY2012 us-gaap Loans And Leases Receivable Related Parties Period Increase Decrease
LoansAndLeasesReceivableRelatedPartiesPeriodIncreaseDecrease
150000
CY2012 us-gaap Noninterest Income
NoninterestIncome
11082000
CY2012 us-gaap Share Based Compensation Arrangements By Share Based Payment Award Options Expirations In Period Weighted Average Exercise Price
ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsExpirationsInPeriodWeightedAverageExercisePrice
20.50
CY2012 us-gaap Earnings Per Share Diluted
EarningsPerShareDiluted
0.57
CY2012 us-gaap Information Technology And Data Processing
InformationTechnologyAndDataProcessing
962000
CY2012 us-gaap Taxes Other
TaxesOther
1059000
CY2012 us-gaap Share Based Compensation Arrangement By Share Based Payment Award Options Expirations In Period
ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExpirationsInPeriod
19500 shares
CY2012 us-gaap Weighted Average Number Of Diluted Shares Outstanding
WeightedAverageNumberOfDilutedSharesOutstanding
7707917000 shares
CY2012 us-gaap Net Cash Provided By Used In Financing Activities
NetCashProvidedByUsedInFinancingActivities
16651000
CY2012 us-gaap Other Comprehensive Income Loss Reclassification Adjustment For Sale Of Securities Included In Net Income Tax
OtherComprehensiveIncomeLossReclassificationAdjustmentForSaleOfSecuritiesIncludedInNetIncomeTax
-14000
CY2012 us-gaap Proceeds From Sale Of Loans Held For Sale
ProceedsFromSaleOfLoansHeldForSale
46243000
CY2012 us-gaap Other Comprehensive Income Loss Reclassification Adjustment For Sale Of Securities Included In Net Income Before Tax
OtherComprehensiveIncomeLossReclassificationAdjustmentForSaleOfSecuritiesIncludedInNetIncomeBeforeTax
-40000
CY2012 us-gaap Proceeds From Issuance Of Trust Preferred Securities
ProceedsFromIssuanceOfTrustPreferredSecurities
5000000
CY2012 us-gaap Weighted Average Number Diluted Shares Outstanding Adjustment
WeightedAverageNumberDilutedSharesOutstandingAdjustment
shares
CY2012 us-gaap Gain Loss On Sale Of Securities Net
GainLossOnSaleOfSecuritiesNet
40000
CY2012 us-gaap Effective Income Tax Rate Reconciliation At Federal Statutory Income Tax Rate
EffectiveIncomeTaxRateReconciliationAtFederalStatutoryIncomeTaxRate
0.34 pure
CY2012 us-gaap Available For Sale Securities Gross Realized Gains
AvailableForSaleSecuritiesGrossRealizedGains
99000
CY2012 us-gaap Defined Benefit Plan Service Cost
DefinedBenefitPlanServiceCost
939000
CY2012 us-gaap Gain Loss On Investments
GainLossOnInvestments
0
CY2012 us-gaap Comprehensive Income Net Of Tax
ComprehensiveIncomeNetOfTax
4100000
CY2012 us-gaap Proceeds From Maturities Prepayments And Calls Of Available For Sale Securities
ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities
63421000
CY2012 us-gaap Loans And Leases Receivable Related Parties Additions
LoansAndLeasesReceivableRelatedPartiesAdditions
5713000
CY2012 us-gaap Interest Income Expense After Provision For Loan Loss
InterestIncomeExpenseAfterProvisionForLoanLoss
34178000
CY2012 us-gaap Defined Benefit Plan Contributions By Employer
DefinedBenefitPlanContributionsByEmployer
1510000
CY2012 us-gaap Increase Decrease In Interest Payable Net
IncreaseDecreaseInInterestPayableNet
-73000
CY2012 us-gaap Interest Income Expense Net
InterestIncomeExpenseNet
40578000
CY2012 us-gaap Defined Benefit Plan Amounts That Will Be Amortized From Accumulated Other Comprehensive Income Loss In Next Fiscal Year
DefinedBenefitPlanAmountsThatWillBeAmortizedFromAccumulatedOtherComprehensiveIncomeLossInNextFiscalYear
520000
CY2012 us-gaap Other Comprehensive Income Loss Pension And Other Postretirement Benefit Plans Adjustment Before Tax
OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansAdjustmentBeforeTax
2829000
CY2012 us-gaap Income Tax Reconciliation Other Adjustments
IncomeTaxReconciliationOtherAdjustments
85000
CY2012 us-gaap Income Tax Expense Benefit
IncomeTaxExpenseBenefit
1725000
CY2012 us-gaap Increase Decrease In Federal Funds Purchased And Securities Sold Under Agreements To Repurchase Net
IncreaseDecreaseInFederalFundsPurchasedAndSecuritiesSoldUnderAgreementsToRepurchaseNet
4190000
CY2012 us-gaap Interest Expense Other
InterestExpenseOther
21000
CY2012 us-gaap Number Of Operating Segments
NumberOfOperatingSegments
1 Segment
CY2012 us-gaap Increase Decrease In Deposits
IncreaseDecreaseInDeposits
25143000
CY2012 us-gaap Payments To Acquire Property Plant And Equipment
PaymentsToAcquirePropertyPlantAndEquipment
905000
CY2012 us-gaap Sharebased Compensation Shares Authorized Under Stock Option Plans Exercise Price Range Outstanding Options Weighted Average Remaining Contractual Term2
SharebasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeOutstandingOptionsWeightedAverageRemainingContractualTerm2
P3M15D
CY2012 us-gaap Loans And Leases Receivable Related Parties Collections
LoansAndLeasesReceivableRelatedPartiesCollections
6788000
CY2012 us-gaap Noninterest Expense
NoninterestExpense
37956000
CY2012 us-gaap Defined Benefit Plan Expected Return On Plan Assets
DefinedBenefitPlanExpectedReturnOnPlanAssets
858000
CY2012 us-gaap Proceeds From Issuance Or Sale Of Equity
ProceedsFromIssuanceOrSaleOfEquity
7500000
CY2012 us-gaap Net Income Loss Available To Common Stockholders Basic
NetIncomeLossAvailableToCommonStockholdersBasic
4386000
CY2012 us-gaap Amortization Of Intangible Assets
AmortizationOfIntangibleAssets
974000
CY2012 us-gaap Current Income Tax Expense Benefit
CurrentIncomeTaxExpenseBenefit
1395000
CY2012 us-gaap Dividends Preferred Stock Cash
DividendsPreferredStockCash
1159000
CY2012 us-gaap Occupancy Net
OccupancyNet
2159000
CY2012 us-gaap Share Based Compensation Arrangement By Share Based Payment Award Options Forfeitures In Period
ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsForfeituresInPeriod
shares
CY2012 us-gaap Professional Fees
ProfessionalFees
1505000
CY2012 us-gaap Payments For Repurchase Of Warrants
PaymentsForRepurchaseOfWarrants
564000
CY2012 us-gaap Payments To Acquire Available For Sale Securities
PaymentsToAcquireAvailableForSaleSecurities
77090000
CY2012 us-gaap Depreciation
Depreciation
1493000
CY2012 us-gaap Common Stock Dividends Per Share Cash Paid
CommonStockDividendsPerShareCashPaid
0.12
CY2012 us-gaap Proceeds From Sale Of Federal Reserve Stock
ProceedsFromSaleOfFederalReserveStock
6000
CY2012 us-gaap Proceeds From Sale Of Other Real Estate
ProceedsFromSaleOfOtherRealEstate
1349000
CY2012 us-gaap Lease And Rental Expense
LeaseAndRentalExpense
344000
CY2012 us-gaap Use Of Estimates
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<div> <p style="MARGIN-TOP: 12px; MARGIN-BOTTOM: 0px"><font style="FONT-FAMILY: Times New Roman" size="2"><u>Use of Estimates</u>: To prepare financial statements in conformity with accounting principles generally accepted in the United States of America, management makes estimates and assumptions based on available information. These estimates and assumptions affect the amounts reported in the financial statements and the disclosures provided, and future results could differ. The allowance for loan losses, impairment of goodwill, fair values of financial instruments, valuation of deferred tax assets, pension obligations and other-than-temporary-impairment of securities are considered material estimates that are particularly susceptible to significant change in the near term.</font></p> </div>
CY2012 us-gaap Defined Contribution Plan Employer Discretionary Contribution Amount
DefinedContributionPlanEmployerDiscretionaryContributionAmount
190000
CY2012 us-gaap Interest Expense
InterestExpense
6184000
CY2012 us-gaap Net Income Loss Available To Common Stockholders Diluted
NetIncomeLossAvailableToCommonStockholdersDiluted
4386000
CY2012 us-gaap Other Comprehensive Income Unrealized Holding Gain Loss On Securities Arising During Period Tax
OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodTax
214000
CY2012 us-gaap Income Tax Reconciliation Income Tax Expense Benefit At Federal Statutory Income Tax Rate
IncomeTaxReconciliationIncomeTaxExpenseBenefitAtFederalStatutoryIncomeTaxRate
2483000
CY2012 us-gaap Shares Subject To Mandatory Redemption Settlement Terms Description
SharesSubjectToMandatoryRedemptionSettlementTermsDescription
The Corporation may redeem the subordinated debentures, in whole or in part, in a principal amount with integral multiples of $1,000, on or after June 15, 2010 at 100% of the principal amount, plus accrued and unpaid interest.
CY2012 us-gaap Proceeds From Sale Of Property Plant And Equipment
ProceedsFromSaleOfPropertyPlantAndEquipment
20000
CY2012 us-gaap Net Cash Provided By Used In Operating Activities
NetCashProvidedByUsedInOperatingActivities
16893000
CY2012 us-gaap Defined Benefit Plan Interest Cost
DefinedBenefitPlanInterestCost
915000
CY2012 us-gaap Interest Income Securities Taxable
InterestIncomeSecuritiesTaxable
4710000
CY2012 us-gaap Available For Sale Securities Gross Realized Losses
AvailableForSaleSecuritiesGrossRealizedLosses
59000
CY2012 fcza Debt Instrument Maturity Term
DebtInstrumentMaturityTerm
P30Y
CY2012 fcza Share Based Compensation Arrangement By Share Based Payment Award Expiration Period
ShareBasedCompensationArrangementByShareBasedPaymentAwardExpirationPeriod
P10Y
CY2012 fcza Minimum Number Of Working Hours Required Within One Year Of Service
MinimumNumberOfWorkingHoursRequiredWithinOneYearOfService
1000 H
CY2012 fcza Income Tax Reconciliation Bank Owned Life Insurance Income
IncomeTaxReconciliationBankOwnedLifeInsuranceIncome
213000
CY2012 fcza Defined Benefit Plan Amortization And Deferrals Net
DefinedBenefitPlanAmortizationAndDeferralsNet
359000
CY2012 fcza Percentage Of Tax Benefit Likely Of Being Realized Upon Settlement
PercentageOfTaxBenefitLikelyOfBeingRealizedUponSettlement
0.50 pure
CY2012 fcza Minimum Eligible Age To Participate In Plan
MinimumEligibleAgeToParticipateInPlan
20.5 Age
CY2012 fcza Debt Instrument Principal Amount Redemption Percentage
DebtInstrumentPrincipalAmountRedemptionPercentage
1.00 pure
CY2012 fcza Term Of Warrants
TermOfWarrants
P10Y
CY2012 fcza Financing Receivable Number Of Contracts
FinancingReceivableNumberOfContracts
39 Contract
CY2012 fcza Interest Bearing Deposits Maturity Period
InterestBearingDepositsMaturityPeriod
P1Y
CY2012 fcza Income Tax Reconciliation Nontaxable Interest Income
IncomeTaxReconciliationNontaxableInterestIncome
-630000
CY2012 fcza Discounted Cash Flow Projection Period To Determine Fair Value Of Reporting Unit
DiscountedCashFlowProjectionPeriodToDetermineFairValueOfReportingUnit
P5Y
CY2012 fcza Number Of Service Period
NumberOfServicePeriod
P6M
CY2012 fcza Originations Of Loans Held For Sale
OriginationsOfLoansHeldForSale
46894000
CY2012 fcza Automated Teller Machine Expense
AutomatedTellerMachineExpense
630000
CY2012 fcza Automated Teller Machine Fees
AutomatedTellerMachineFees
1868000
CY2012 fcza Average Reserve Balance Under Federal Reserve Board Requirements
AverageReserveBalanceUnderFederalReserveBoardRequirements
1217000
CY2012 fcza Computer Center Data Processing Fees
ComputerCenterDataProcessingFees
259000
CY2012 fcza Credit Commitments Maturities Period
CreditCommitmentsMaturitiesPeriod
P40Y
CY2012 fcza Earnings Per Common Share Basic And Diluted
EarningsPerCommonShareBasicAndDiluted
0.57
CY2012 fcza Federal Funds Sold And Other
FederalFundsSoldAndOther
109000
CY2012 fcza Financing Receivable Post Modification Recorded Investment
FinancingReceivablePostModificationRecordedInvestment
3909000
CY2012 fcza Financing Receivable Pre Modification Outstanding Recorded Investment
FinancingReceivablePreModificationOutstandingRecordedInvestment
3995000
CY2012 fcza Liquidation Preference Rate After Five Years
LiquidationPreferenceRateAfterFiveYears
0.09 pure
CY2012 fcza Liquidation Preference Rate For First Five Years
LiquidationPreferenceRateForFirstFiveYears
0.05 pure
CY2012 fcza Maximum Period To Commit Loan
MaximumPeriodToCommitLoan
P1Y
CY2012 fcza Number Of Days Delinquency After Which Loans Are Considered Nonaccrual
NumberOfDaysDelinquencyAfterWhichLoansAreConsideredNonaccrual
P90D
CY2012 fcza Number Of Days Past Due For Loans To Be Considered As Nonperforming
NumberOfDaysPastDueForLoansToBeConsideredAsNonperforming
P90D
CY2012 fcza Salaries Wages And Benefits
SalariesWagesAndBenefits
20487000
CY2012 fcza Transfer Of Loans From Portfolio To Other Real Estate Owned
TransferOfLoansFromPortfolioToOtherRealEstateOwned
606000
CY2012 fcza Repossession Expense
RepossessionExpense
1186000
CY2012 fcza Prepaid Federal Deposit Insurance Corporation Premium
PrepaidFederalDepositInsuranceCorporationPremium
-780000
CY2012 fcza Increase Decrease In Net Deferred Loan Fees
IncreaseDecreaseInNetDeferredLoanFees
-332000
CY2012 fcza Security Amortization Accretion Net
SecurityAmortizationAccretionNet
1987000
CY2012 fcza Percentage Of Insurance Commission Revenue Of Revenue
PercentageOfInsuranceCommissionRevenueOfRevenue
Less than 1.0%
CY2012 fcza Gain On Sale Of Securities
GainOnSaleOfSecurities
CY2012 fcza Loss On Sale Of Securities
LossOnSaleOfSecurities
CY2011Q1 us-gaap Interest And Dividend Income Operating
InterestAndDividendIncomeOperating
12414000
CY2011Q1 us-gaap Earnings Per Share Basic
EarningsPerShareBasic
0.06
CY2011Q1 us-gaap Net Income Loss
NetIncomeLoss
753000
CY2011Q1 us-gaap Earnings Per Share Diluted
EarningsPerShareDiluted
0.06
CY2011Q1 us-gaap Interest Income Expense Net
InterestIncomeExpenseNet
10372000
CY2011Q2 us-gaap Interest And Dividend Income Operating
InterestAndDividendIncomeOperating
12045000
CY2011Q2 us-gaap Earnings Per Share Basic
EarningsPerShareBasic
0.03
CY2011Q2 us-gaap Net Income Loss
NetIncomeLoss
523000
CY2011Q2 us-gaap Earnings Per Share Diluted
EarningsPerShareDiluted
0.03
CY2011Q2 us-gaap Interest Income Expense Net
InterestIncomeExpenseNet
10153000
CY2012Q1 us-gaap Interest And Dividend Income Operating
InterestAndDividendIncomeOperating
12118000
CY2012Q1 us-gaap Earnings Per Share Basic
EarningsPerShareBasic
0.13
CY2012Q1 us-gaap Net Income Loss
NetIncomeLoss
1293000
CY2012Q1 us-gaap Earnings Per Share Diluted
EarningsPerShareDiluted
0.13
CY2012Q1 us-gaap Interest Income Expense Net
InterestIncomeExpenseNet
10445000
CY2012Q2 us-gaap Interest And Dividend Income Operating
InterestAndDividendIncomeOperating
11757000
CY2012Q2 us-gaap Earnings Per Share Basic
EarningsPerShareBasic
0.08
CY2012Q2 us-gaap Net Income Loss
NetIncomeLoss
936000
CY2012Q2 us-gaap Earnings Per Share Diluted
EarningsPerShareDiluted
0.08
CY2012Q2 us-gaap Interest Income Expense Net
InterestIncomeExpenseNet
10146000
CY2011Q3 us-gaap Interest And Dividend Income Operating
InterestAndDividendIncomeOperating
12267000
CY2011Q3 us-gaap Earnings Per Share Basic
EarningsPerShareBasic
0.12
CY2011Q3 us-gaap Net Income Loss
NetIncomeLoss
1193000
CY2011Q3 us-gaap Earnings Per Share Diluted
EarningsPerShareDiluted
0.12
CY2011Q3 us-gaap Interest Income Expense Net
InterestIncomeExpenseNet
10439000
CY2012Q3 us-gaap Interest And Dividend Income Operating
InterestAndDividendIncomeOperating
11529000
CY2012Q3 us-gaap Earnings Per Share Basic
EarningsPerShareBasic
0.14
CY2012Q3 us-gaap Net Income Loss
NetIncomeLoss
1384000
CY2012Q3 us-gaap Earnings Per Share Diluted
EarningsPerShareDiluted
0.14
CY2012Q3 us-gaap Interest Income Expense Net
InterestIncomeExpenseNet
10028000
CY2011Q4 us-gaap Interest And Dividend Income Operating
InterestAndDividendIncomeOperating
12135000
CY2011Q4 us-gaap Earnings Per Share Basic
EarningsPerShareBasic
0.15
CY2011Q4 us-gaap Net Income Loss
NetIncomeLoss
1489000
CY2011Q4 us-gaap Earnings Per Share Diluted
EarningsPerShareDiluted
0.15
CY2011Q4 us-gaap Interest Income Expense Net
InterestIncomeExpenseNet
10397000
CY2012Q4 us-gaap Interest And Dividend Income Operating
InterestAndDividendIncomeOperating
11357000
CY2012Q4 us-gaap Earnings Per Share Basic
EarningsPerShareBasic
0.22
CY2012Q4 us-gaap Net Income Loss
NetIncomeLoss
1966000
CY2012Q4 us-gaap Earnings Per Share Diluted
EarningsPerShareDiluted
0.22
CY2012Q4 us-gaap Interest Income Expense Net
InterestIncomeExpenseNet
9959000

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