Call reports 2006
CITIZENS AND FARMERS BANK — 2006
What CITIZENS AND FARMERS BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 675,259,000 | 708,041,000 | 700,283,000 | 724,915,000 |
| Total loans | 544,746,000 | 566,260,000 | 570,361,000 | 580,373,000 |
| Allowance for loan losses | 13,458,000 | 13,590,000 | 13,852,000 | 14,216,000 |
| Securities available for sale | 62,064,000 | 60,806,000 | 60,910,000 | 63,456,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 488,748,000 | 511,219,000 | 499,381,000 | 533,131,000 |
| Interest-bearing deposits | 409,469,000 | 419,648,000 | 415,841,000 | 442,638,000 |
| Noninterest-bearing deposits | 79,279,000 | 91,571,000 | 83,540,000 | 90,493,000 |
| Equity capital | 73,580,000 | 76,160,000 | 78,706,000 | 79,865,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 13,431,000 | 28,426,000 | 43,161,000 | 58,384,000 |
| Interest expense | 3,677,000 | 7,947,000 | 12,504,000 | 17,351,000 |
| Net interest income | 9,754,000 | 20,479,000 | 30,657,000 | 41,033,000 |
| Noninterest income | 5,948,000 | 12,775,000 | 19,935,000 | 27,231,000 |
| Noninterest expense | 10,583,000 | 21,695,000 | 33,076,000 | 45,132,000 |
| Provision for loan losses | 1,275,000 | 2,100,000 | 3,225,000 | 4,625,000 |
| Pretax income | 3,868,000 | 9,520,000 | 14,375,000 | 18,593,000 |
| Income tax | 1,217,000 | 3,017,000 | 4,577,000 | 5,874,000 |
| Net income | 2,651,000 | 6,503,000 | 9,798,000 | 12,719,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 62,262,000 | 65,201,000 | 67,372,000 | 69,144,000 |
| Total capital | 69,270,000 | 72,434,000 | 74,618,000 | 76,571,000 |
| Risk-weighted assets | 554,163,000 | 572,315,000 | 573,186,000 | 587,396,000 |