Call reports 2004
CITIZENS AND FARMERS BANK — 2004
What CITIZENS AND FARMERS BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 569,347,000 | 586,400,000 | 591,766,000 | 600,203,000 |
| Total loans | 406,864,000 | 432,519,000 | 444,077,000 | 452,168,000 |
| Allowance for loan losses | 9,059,000 | 9,674,000 | 10,391,000 | 11,114,000 |
| Securities available for sale | 67,765,000 | 65,062,000 | 66,277,000 | 67,460,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 429,650,000 | 443,945,000 | 445,819,000 | 448,498,000 |
| Interest-bearing deposits | 361,391,000 | 364,012,000 | 366,716,000 | 368,428,000 |
| Noninterest-bearing deposits | 68,259,000 | 79,933,000 | 79,103,000 | 80,070,000 |
| Equity capital | 60,483,000 | 59,822,000 | 62,337,000 | 63,527,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 9,497,000 | 19,362,000 | 29,779,000 | 40,488,000 |
| Interest expense | 1,819,000 | 3,620,000 | 5,512,000 | 7,548,000 |
| Net interest income | 7,678,000 | 15,742,000 | 24,267,000 | 32,940,000 |
| Noninterest income | 4,830,000 | 11,477,000 | 18,061,000 | 24,598,000 |
| Noninterest expense | 8,374,000 | 18,157,000 | 27,770,000 | 37,624,000 |
| Provision for loan losses | 896,000 | 1,697,000 | 2,693,000 | 4,026,000 |
| Pretax income | 3,268,000 | 7,398,000 | 11,905,000 | 15,955,000 |
| Income tax | 971,000 | 2,270,000 | 3,736,000 | 4,998,000 |
| Net income | 2,297,000 | 5,128,000 | 8,169,000 | 10,957,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 48,621,000 | 49,666,000 | 51,170,000 | 51,548,000 |
| Total capital | 54,020,000 | 55,283,000 | 56,974,000 | 57,511,000 |
| Risk-weighted assets | 428,297,000 | 445,265,000 | 459,739,000 | 471,913,000 |