Call reports 2012
CITIZENS AND FARMERS BANK — 2012
What CITIZENS AND FARMERS BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 936,996,000 | 944,249,000 | 952,010,000 | 968,820,000 |
| Total loans | 717,794,000 | 744,794,000 | 749,923,000 | 742,836,000 |
| Allowance for loan losses | 34,757,000 | 35,457,000 | 34,990,000 | 35,907,000 |
| Securities available for sale | 143,803,000 | 141,193,000 | 140,567,000 | 152,713,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 661,010,000 | 657,794,000 | 664,618,000 | 686,886,000 |
| Interest-bearing deposits | 555,014,000 | 548,056,000 | 547,583,000 | 580,470,000 |
| Noninterest-bearing deposits | 105,996,000 | 109,738,000 | 117,035,000 | 106,416,000 |
| Equity capital | 117,632,000 | 112,008,000 | 116,442,000 | 119,565,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 18,745,000 | 37,828,000 | 57,319,000 | 76,902,000 |
| Interest expense | 2,591,000 | 4,939,000 | 7,099,000 | 9,124,000 |
| Net interest income | 16,154,000 | 32,889,000 | 50,220,000 | 67,778,000 |
| Noninterest income | 7,376,000 | 15,092,000 | 24,663,000 | 33,487,000 |
| Noninterest expense | 14,816,000 | 29,844,000 | 46,635,000 | 63,075,000 |
| Provision for loan losses | 2,725,000 | 5,585,000 | 8,550,000 | 12,405,000 |
| Pretax income | 5,989,000 | 12,560,000 | 19,709,000 | 25,796,000 |
| Income tax | 1,917,000 | 4,042,000 | 6,387,000 | 8,318,000 |
| Net income | 4,072,000 | 8,518,000 | 13,322,000 | 17,478,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 105,613,000 | 99,222,000 | 103,155,000 | 106,657,000 |
| Total capital | 114,598,000 | 108,372,000 | 112,380,000 | 115,892,000 |
| Risk-weighted assets | 693,041,000 | 705,691,000 | 712,239,000 | 712,131,000 |