Call reports 2017
CITIZENS AND FARMERS BANK — 2017
What CITIZENS AND FARMERS BANK reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 1,460,737,000 | 1,460,996,000 | 1,478,476,000 | 1,505,736,000 |
| Total loans | 1,041,711,000 | 1,041,052,000 | 1,070,089,000 | 1,082,787,000 |
| Allowance for loan losses | 36,734,000 | 36,496,000 | 36,335,000 | 35,726,000 |
| Securities available for sale | 213,079,000 | 213,036,000 | 208,993,000 | 218,976,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,132,868,000 | 1,128,799,000 | 1,143,018,000 | 1,171,706,000 |
| Interest-bearing deposits | 895,876,000 | 888,638,000 | 883,961,000 | 923,761,000 |
| Noninterest-bearing deposits | 236,992,000 | 240,161,000 | 259,057,000 | 247,945,000 |
| Equity capital | 163,237,000 | 166,681,000 | 168,328,000 | 163,893,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 21,982,000 | 44,366,000 | 67,026,000 | 89,430,000 |
| Interest expense | 1,986,000 | 4,053,000 | 6,244,000 | 8,450,000 |
| Net interest income | 19,996,000 | 40,313,000 | 60,782,000 | 80,980,000 |
| Noninterest income | 6,179,000 | 13,489,000 | 20,264,000 | 26,872,000 |
| Noninterest expense | 17,486,000 | 35,529,000 | 53,562,000 | 71,257,000 |
| Provision for loan losses | 4,400,000 | 7,500,000 | 11,935,000 | 16,435,000 |
| Pretax income | 4,290,000 | 10,781,000 | 15,559,000 | 20,170,000 |
| Income tax | 1,230,000 | 3,309,000 | 4,763,000 | 11,680,000 |
| Net income | 3,060,000 | 7,472,000 | 10,796,000 | 8,490,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 150,966,000 | 154,708,000 | 156,649,000 | 152,684,000 |
| Total capital | 165,595,000 | 169,235,000 | 171,515,000 | 167,657,000 |
| Risk-weighted assets | 1,147,760,000 | 1,140,129,000 | 1,167,811,000 | 1,177,036,000 |