Call reports 2010
CITIZENS AND FARMERS BANK — 2010
What CITIZENS AND FARMERS BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 868,480,000 | 902,622,000 | 900,099,000 | 900,492,000 |
| Total loans | 673,570,000 | 702,306,000 | 700,187,000 | 699,329,000 |
| Allowance for loan losses | 24,617,000 | 25,154,000 | 26,735,000 | 28,840,000 |
| Securities available for sale | 121,530,000 | 121,065,000 | 129,895,000 | 130,244,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 603,028,000 | 615,492,000 | 621,852,000 | 625,517,000 |
| Interest-bearing deposits | 516,592,000 | 518,152,000 | 530,009,000 | 537,891,000 |
| Noninterest-bearing deposits | 86,436,000 | 97,340,000 | 91,843,000 | 87,626,000 |
| Equity capital | 107,236,000 | 108,057,000 | 112,382,000 | 110,636,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 16,572,000 | 33,929,000 | 51,659,000 | 69,814,000 |
| Interest expense | 3,131,000 | 6,199,000 | 9,277,000 | 12,237,000 |
| Net interest income | 13,441,000 | 27,730,000 | 42,382,000 | 57,577,000 |
| Noninterest income | 5,808,000 | 12,965,000 | 20,821,000 | 29,600,000 |
| Noninterest expense | 13,431,000 | 29,446,000 | 44,125,000 | 59,573,000 |
| Provision for loan losses | 3,200,000 | 6,500,000 | 10,219,000 | 14,959,000 |
| Pretax income | 2,648,000 | 4,798,000 | 8,912,000 | 12,703,000 |
| Income tax | 710,000 | 1,185,000 | 2,459,000 | 3,580,000 |
| Net income | 1,938,000 | 3,613,000 | 6,453,000 | 9,123,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 97,015,000 | 97,919,000 | 100,251,000 | 101,929,000 |
| Total capital | 105,603,000 | 106,733,000 | 108,969,000 | 110,685,000 |
| Risk-weighted assets | 671,031,000 | 688,762,000 | 679,404,000 | 680,423,000 |