Call reports 2007
CITIZENS AND FARMERS BANK — 2007
What CITIZENS AND FARMERS BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 723,781,000 | 747,172,000 | 767,906,000 | 778,234,000 |
| Total loans | 575,614,000 | 607,772,000 | 628,766,000 | 632,971,000 |
| Allowance for loan losses | 14,527,000 | 14,829,000 | 15,438,000 | 15,963,000 |
| Securities available for sale | 63,236,000 | 67,545,000 | 72,105,000 | 77,388,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 533,114,000 | 553,613,000 | 534,499,000 | 527,910,000 |
| Interest-bearing deposits | 447,493,000 | 453,525,000 | 447,796,000 | 447,658,000 |
| Noninterest-bearing deposits | 85,621,000 | 100,088,000 | 86,703,000 | 80,252,000 |
| Equity capital | 76,735,000 | 75,800,000 | 75,923,000 | 79,821,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 15,247,000 | 31,108,000 | 47,862,000 | 64,530,000 |
| Interest expense | 5,108,000 | 10,663,000 | 16,554,000 | 22,504,000 |
| Net interest income | 10,139,000 | 20,445,000 | 31,308,000 | 42,026,000 |
| Noninterest income | 5,787,000 | 12,869,000 | 19,308,000 | 25,762,000 |
| Noninterest expense | 11,370,000 | 23,604,000 | 35,691,000 | 47,780,000 |
| Provision for loan losses | 1,400,000 | 2,890,000 | 4,690,000 | 7,130,000 |
| Pretax income | 3,159,000 | 6,829,000 | 10,245,000 | 12,899,000 |
| Income tax | 955,000 | 2,106,000 | 3,111,000 | 3,830,000 |
| Net income | 2,204,000 | 4,723,000 | 7,134,000 | 9,069,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 66,092,000 | 65,799,000 | 65,438,000 | 68,819,000 |
| Total capital | 73,500,000 | 73,599,000 | 73,449,000 | 76,898,000 |
| Risk-weighted assets | 585,535,000 | 616,987,000 | 633,417,000 | 638,414,000 |