Call reports 2002
CITIZENS AND FARMERS BANK — 2002
What CITIZENS AND FARMERS BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 407,467,000 | 403,667,000 | 494,476,000 | 535,382,000 |
| Total loans | 289,273,000 | 295,535,000 | 396,195,000 | 434,150,000 |
| Allowance for loan losses | 3,728,000 | 3,844,000 | 6,491,000 | 6,692,000 |
| Securities available for sale | 53,095,000 | 57,376,000 | 57,151,000 | 55,011,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 353,943,000 | 346,621,000 | 374,408,000 | 386,090,000 |
| Interest-bearing deposits | 303,398,000 | 298,776,000 | 317,850,000 | 330,131,000 |
| Noninterest-bearing deposits | 50,545,000 | 47,845,000 | 56,558,000 | 55,959,000 |
| Equity capital | 37,950,000 | 40,395,000 | 50,287,000 | 52,404,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 6,424,000 | 12,686,000 | 20,192,000 | 30,083,000 |
| Interest expense | 2,328,000 | 4,387,000 | 6,609,000 | 9,086,000 |
| Net interest income | 4,096,000 | 8,299,000 | 13,583,000 | 20,997,000 |
| Noninterest income | 4,061,000 | 9,022,000 | 14,700,000 | 21,406,000 |
| Noninterest expense | 5,673,000 | 11,671,000 | 18,539,000 | 27,677,000 |
| Provision for loan losses | 75,000 | 200,000 | 491,000 | 1,141,000 |
| Pretax income | 2,424,000 | 5,485,000 | 9,288,000 | 13,620,000 |
| Income tax | 689,000 | 1,515,000 | 2,734,000 | 4,128,000 |
| Net income | 1,735,000 | 3,970,000 | 6,554,000 | 9,492,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 36,599,000 | 38,350,000 | 40,389,000 | 42,228,000 |
| Total capital | 40,327,000 | 42,194,000 | 49,266,000 | 51,472,000 |
| Risk-weighted assets | 318,360,000 | 324,461,000 | 408,860,000 | 438,407,000 |