Call reports 2015
CITIZENS AND FARMERS BANK — 2015
What CITIZENS AND FARMERS BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 1,360,139,000 | 1,368,489,000 | 1,367,738,000 | 1,400,857,000 |
| Total loans | 884,190,000 | 925,989,000 | 918,218,000 | 945,020,000 |
| Allowance for loan losses | 35,697,000 | 35,571,000 | 35,726,000 | 35,569,000 |
| Securities available for sale | 220,834,000 | 218,349,000 | 220,807,000 | 219,476,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,051,999,000 | 1,043,231,000 | 1,041,891,000 | 1,073,905,000 |
| Interest-bearing deposits | 862,161,000 | 855,035,000 | 843,446,000 | 875,871,000 |
| Noninterest-bearing deposits | 189,838,000 | 188,196,000 | 198,445,000 | 198,034,000 |
| Equity capital | 146,977,000 | 148,313,000 | 151,437,000 | 152,724,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 20,767,000 | 42,083,000 | 64,824,000 | 86,905,000 |
| Interest expense | 1,742,000 | 3,624,000 | 5,588,000 | 7,532,000 |
| Net interest income | 19,025,000 | 38,459,000 | 59,236,000 | 79,373,000 |
| Noninterest income | 5,131,000 | 10,672,000 | 15,487,000 | 20,806,000 |
| Noninterest expense | 16,470,000 | 32,830,000 | 48,969,000 | 65,236,000 |
| Provision for loan losses | 3,515,000 | 5,670,000 | 9,812,000 | 15,512,000 |
| Pretax income | 4,172,000 | 10,634,000 | 15,967,000 | 19,460,000 |
| Income tax | 1,178,000 | 3,177,000 | 4,777,000 | 5,637,000 |
| Net income | 2,994,000 | 7,457,000 | 11,190,000 | 13,823,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 125,541,000 | 129,600,000 | 133,175,000 | 137,815,000 |
| Total capital | 137,539,000 | 141,942,000 | 145,506,000 | 150,711,000 |
| Risk-weighted assets | 931,044,000 | 958,992,000 | 959,242,000 | 1,007,002,000 |