Call reports 2009
CITIZENS AND FARMERS BANK — 2009
What CITIZENS AND FARMERS BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 880,262,000 | 876,568,000 | 873,007,000 | 883,523,000 |
| Total loans | 693,662,000 | 696,678,000 | 687,142,000 | 662,058,000 |
| Allowance for loan losses | 20,320,000 | 21,532,000 | 22,916,000 | 24,027,000 |
| Securities available for sale | 106,552,000 | 109,346,000 | 118,339,000 | 117,319,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 581,737,000 | 581,312,000 | 576,051,000 | 607,058,000 |
| Interest-bearing deposits | 492,801,000 | 490,607,000 | 487,773,000 | 523,000,000 |
| Noninterest-bearing deposits | 88,936,000 | 90,705,000 | 88,278,000 | 84,058,000 |
| Equity capital | 101,322,000 | 101,864,000 | 104,847,000 | 104,888,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 15,414,000 | 31,516,000 | 48,109,000 | 64,866,000 |
| Interest expense | 3,898,000 | 7,612,000 | 11,081,000 | 14,388,000 |
| Net interest income | 11,516,000 | 23,904,000 | 37,028,000 | 50,478,000 |
| Noninterest income | 9,243,000 | 19,170,000 | 27,751,000 | 36,554,000 |
| Noninterest expense | 14,288,000 | 29,464,000 | 44,065,000 | 59,413,000 |
| Provision for loan losses | 4,100,000 | 8,500,000 | 12,863,000 | 18,563,000 |
| Pretax income | 2,378,000 | 5,140,000 | 7,884,000 | 9,100,000 |
| Income tax | 584,000 | 1,372,000 | 2,234,000 | 2,589,000 |
| Net income | 1,794,000 | 3,768,000 | 5,650,000 | 6,511,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 92,967,000 | 93,578,000 | 94,188,000 | 95,078,000 |
| Total capital | 101,683,000 | 102,376,000 | 102,877,000 | 103,693,000 |
| Risk-weighted assets | 685,691,000 | 691,120,000 | 680,935,000 | 673,822,000 |