Call reports 2013
CITIZENS AND FARMERS BANK — 2013
What CITIZENS AND FARMERS BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 986,522,000 | 985,331,000 | 977,711,000 | 966,795,000 |
| Total loans | 716,118,000 | 728,945,000 | 738,092,000 | 713,287,000 |
| Allowance for loan losses | 33,921,000 | 34,769,000 | 34,861,000 | 34,817,000 |
| Securities available for sale | 150,334,000 | 147,330,000 | 147,161,000 | 156,944,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 696,710,000 | 694,292,000 | 686,116,000 | 700,913,000 |
| Interest-bearing deposits | 580,911,000 | 576,299,000 | 561,237,000 | 590,213,000 |
| Noninterest-bearing deposits | 115,799,000 | 117,993,000 | 124,879,000 | 110,700,000 |
| Equity capital | 122,756,000 | 123,510,000 | 125,912,000 | 99,642,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 19,101,000 | 38,310,000 | 57,942,000 | 76,774,000 |
| Interest expense | 1,960,000 | 3,853,000 | 5,733,000 | 7,599,000 |
| Net interest income | 17,141,000 | 34,457,000 | 52,209,000 | 69,175,000 |
| Noninterest income | 8,191,000 | 12,061,000 | 17,440,000 | 21,414,000 |
| Noninterest expense | 15,621,000 | 26,235,000 | 40,201,000 | 52,623,000 |
| Provision for loan losses | 3,180,000 | 6,300,000 | 10,140,000 | 15,055,000 |
| Pretax income | 6,533,000 | 13,989,000 | 19,314,000 | 22,917,000 |
| Income tax | 2,112,000 | 4,598,000 | 6,227,000 | 7,150,000 |
| Net income | 4,421,000 | 9,391,000 | 13,087,000 | 15,767,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 110,431,000 | 114,449,000 | 117,292,000 | 91,559,000 |
| Total capital | 119,479,000 | 123,614,000 | 126,444,000 | 100,538,000 |
| Risk-weighted assets | 698,990,000 | 707,601,000 | 710,440,000 | 692,496,000 |