Call reports 2016
CITIZENS AND FARMERS BANK — 2016
What CITIZENS AND FARMERS BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 1,401,218,000 | 1,406,813,000 | 1,418,372,000 | 1,444,712,000 |
| Total loans | 950,212,000 | 1,019,601,000 | 1,037,009,000 | 1,045,701,000 |
| Allowance for loan losses | 35,838,000 | 36,734,000 | 37,070,000 | 37,066,000 |
| Securities available for sale | 216,256,000 | 212,086,000 | 205,232,000 | 210,026,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 815,000 | 1,032,000 |
| Total deposits | 1,075,225,000 | 1,078,580,000 | 1,091,835,000 | 1,120,360,000 |
| Interest-bearing deposits | 863,438,000 | 860,200,000 | 866,913,000 | 901,290,000 |
| Noninterest-bearing deposits | 211,787,000 | 218,380,000 | 224,922,000 | 219,070,000 |
| Equity capital | 155,244,000 | 159,471,000 | 161,065,000 | 161,114,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 21,926,000 | 44,191,000 | 66,830,000 | 89,285,000 |
| Interest expense | 1,979,000 | 3,909,000 | 5,853,000 | 7,825,000 |
| Net interest income | 19,947,000 | 40,282,000 | 60,977,000 | 81,460,000 |
| Noninterest income | 5,194,000 | 13,004,000 | 19,663,000 | 25,702,000 |
| Noninterest expense | 16,823,000 | 34,282,000 | 51,868,000 | 69,097,000 |
| Provision for loan losses | 4,600,000 | 8,200,000 | 13,125,000 | 18,040,000 |
| Pretax income | 3,719,000 | 10,849,000 | 15,695,000 | 20,077,000 |
| Income tax | 957,000 | 2,992,000 | 4,365,000 | 5,508,000 |
| Net income | 2,762,000 | 7,857,000 | 11,330,000 | 14,569,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 136,798,000 | 141,051,000 | 143,141,000 | 146,307,000 |
| Total capital | 150,006,000 | 154,913,000 | 157,656,000 | 160,971,000 |
| Risk-weighted assets | 1,029,756,000 | 1,082,100,000 | 1,134,505,000 | 1,147,156,000 |