Call reports 2003
CITIZENS AND FARMERS BANK — 2003
What CITIZENS AND FARMERS BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 523,800,000 | 538,303,000 | 555,069,000 | 565,130,000 |
| Total loans | 423,071,000 | 438,173,000 | 427,417,000 | 388,942,000 |
| Allowance for loan losses | 6,925,000 | 7,431,000 | 8,119,000 | 8,627,000 |
| Securities available for sale | 55,906,000 | 53,673,000 | 48,491,000 | 97,605,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 392,048,000 | 405,728,000 | 418,506,000 | 429,923,000 |
| Interest-bearing deposits | 336,176,000 | 342,468,000 | 352,876,000 | 362,952,000 |
| Noninterest-bearing deposits | 55,872,000 | 63,260,000 | 65,630,000 | 66,971,000 |
| Equity capital | 54,356,000 | 57,856,000 | 59,626,000 | 58,539,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 9,412,000 | 19,211,000 | 28,813,000 | 38,205,000 |
| Interest expense | 2,242,000 | 4,436,000 | 6,592,000 | 8,566,000 |
| Net interest income | 7,170,000 | 14,775,000 | 22,221,000 | 29,639,000 |
| Noninterest income | 6,804,000 | 14,783,000 | 22,741,000 | 28,905,000 |
| Noninterest expense | 8,644,000 | 18,172,000 | 27,670,000 | 36,654,000 |
| Provision for loan losses | 538,000 | 1,381,000 | 2,305,000 | 3,167,000 |
| Pretax income | 4,800,000 | 10,069,000 | 15,077,000 | 18,816,000 |
| Income tax | 1,591,000 | 3,379,000 | 5,082,000 | 6,261,000 |
| Net income | 3,209,000 | 6,690,000 | 9,995,000 | 12,555,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 43,992,000 | 46,857,000 | 49,347,000 | 47,206,000 |
| Total capital | 53,182,000 | 56,237,000 | 58,806,000 | 52,602,000 |
| Risk-weighted assets | 433,776,000 | 448,654,000 | 454,397,000 | 428,483,000 |