Call reports 2011
CITIZENS AND FARMERS BANK — 2011
What CITIZENS AND FARMERS BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 902,519,000 | 901,281,000 | 904,273,000 | 921,031,000 |
| Total loans | 662,304,000 | 690,269,000 | 689,121,000 | 714,817,000 |
| Allowance for loan losses | 28,765,000 | 30,211,000 | 32,590,000 | 33,677,000 |
| Securities available for sale | 135,751,000 | 140,001,000 | 141,693,000 | 144,578,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 630,296,000 | 626,172,000 | 637,556,000 | 647,269,000 |
| Interest-bearing deposits | 535,356,000 | 530,276,000 | 539,286,000 | 550,860,000 |
| Noninterest-bearing deposits | 94,940,000 | 95,896,000 | 98,270,000 | 96,409,000 |
| Equity capital | 113,455,000 | 117,255,000 | 111,721,000 | 114,011,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 17,624,000 | 35,986,000 | 54,896,000 | 73,759,000 |
| Interest expense | 2,821,000 | 5,544,000 | 8,226,000 | 10,895,000 |
| Net interest income | 14,803,000 | 30,442,000 | 46,670,000 | 62,864,000 |
| Noninterest income | 6,459,000 | 12,820,000 | 19,719,000 | 27,040,000 |
| Noninterest expense | 13,720,000 | 27,603,000 | 41,100,000 | 55,400,000 |
| Provision for loan losses | 2,820,000 | 6,210,000 | 10,285,000 | 14,160,000 |
| Pretax income | 4,722,000 | 9,449,000 | 15,004,000 | 20,357,000 |
| Income tax | 1,464,000 | 2,905,000 | 4,685,000 | 6,357,000 |
| Net income | 3,258,000 | 6,544,000 | 10,319,000 | 14,000,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 104,221,000 | 106,475,000 | 99,207,000 | 102,126,000 |
| Total capital | 112,756,000 | 115,222,000 | 107,945,000 | 111,029,000 |
| Risk-weighted assets | 662,599,000 | 678,321,000 | 675,209,000 | 687,490,000 |