Call reports 2018
CITIZENS AND FARMERS BANK — 2018
What CITIZENS AND FARMERS BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 1,527,067,000 | 1,531,599,000 | 1,494,761,000 | 1,517,593,000 |
| Total loans | 1,065,824,000 | 1,085,842,000 | 1,081,473,000 | 1,102,912,000 |
| Allowance for loan losses | 35,600,000 | 35,393,000 | 34,959,000 | 34,023,000 |
| Securities available for sale | 218,408,000 | 221,869,000 | 217,114,000 | 214,910,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,194,147,000 | 1,193,967,000 | 1,158,818,000 | 1,182,055,000 |
| Interest-bearing deposits | 918,982,000 | 914,206,000 | 882,160,000 | 910,318,000 |
| Noninterest-bearing deposits | 275,165,000 | 279,761,000 | 276,658,000 | 271,737,000 |
| Equity capital | 164,757,000 | 168,527,000 | 171,762,000 | 174,244,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 22,701,000 | 45,302,000 | 68,930,000 | 92,340,000 |
| Interest expense | 2,294,000 | 4,670,000 | 7,183,000 | 9,876,000 |
| Net interest income | 20,407,000 | 40,632,000 | 61,747,000 | 82,464,000 |
| Noninterest income | 6,473,000 | 13,755,000 | 20,428,000 | 25,913,000 |
| Noninterest expense | 18,177,000 | 36,675,000 | 55,107,000 | 72,619,000 |
| Provision for loan losses | 3,300,000 | 5,300,000 | 7,700,000 | 11,006,000 |
| Pretax income | 5,408,000 | 12,416,000 | 19,377,000 | 24,762,000 |
| Income tax | 1,125,000 | 2,674,000 | 4,159,000 | 5,223,000 |
| Net income | 4,283,000 | 9,742,000 | 15,218,000 | 19,539,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 155,310,000 | 159,760,000 | 164,082,000 | 166,437,000 |
| Total capital | 170,270,000 | 174,717,000 | 179,048,000 | 181,685,000 |
| Risk-weighted assets | 1,176,197,000 | 1,176,082,000 | 1,177,228,000 | 1,201,102,000 |