Call reports 2005
CITIZENS AND FARMERS BANK — 2005
What CITIZENS AND FARMERS BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 603,662,000 | 659,796,000 | 659,710,000 | 664,144,000 |
| Total loans | 473,732,000 | 541,027,000 | 527,006,000 | 514,278,000 |
| Allowance for loan losses | 11,719,000 | 12,358,000 | 12,870,000 | 13,034,000 |
| Securities available for sale | 64,720,000 | 64,564,000 | 62,777,000 | 61,204,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 448,046,000 | 472,949,000 | 489,897,000 | 495,756,000 |
| Interest-bearing deposits | 372,065,000 | 381,182,000 | 404,422,000 | 416,504,000 |
| Noninterest-bearing deposits | 75,981,000 | 91,767,000 | 85,475,000 | 79,252,000 |
| Equity capital | 64,775,000 | 67,083,000 | 69,628,000 | 72,000,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 11,005,000 | 22,531,000 | 35,411,000 | 48,434,000 |
| Interest expense | 2,248,000 | 4,936,000 | 8,188,000 | 11,549,000 |
| Net interest income | 8,757,000 | 17,595,000 | 27,223,000 | 36,885,000 |
| Noninterest income | 5,744,000 | 12,624,000 | 20,769,000 | 27,457,000 |
| Noninterest expense | 9,686,000 | 19,847,000 | 31,131,000 | 41,699,000 |
| Provision for loan losses | 1,089,000 | 2,273,000 | 3,770,000 | 5,520,000 |
| Pretax income | 3,726,000 | 8,114,000 | 13,133,000 | 17,193,000 |
| Income tax | 1,163,000 | 2,561,000 | 4,118,000 | 5,347,000 |
| Net income | 2,563,000 | 5,553,000 | 9,015,000 | 11,846,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 53,291,000 | 55,448,000 | 58,127,000 | 60,463,000 |
| Total capital | 59,284,000 | 62,026,000 | 64,775,000 | 67,144,000 |
| Risk-weighted assets | 473,690,000 | 520,627,000 | 525,578,000 | 528,638,000 |