Call reports 2019
CITIZENS AND FARMERS BANK — 2019
What CITIZENS AND FARMERS BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 1,545,590,000 | 1,560,426,000 | 1,605,691,000 | 1,625,536,000 |
| Total loans | 1,111,626,000 | 1,175,935,000 | 1,177,097,000 | 1,201,541,000 |
| Allowance for loan losses | 33,589,000 | 33,401,000 | 33,218,000 | 32,873,000 |
| Securities available for sale | 209,007,000 | 200,427,000 | 190,869,000 | 189,733,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,204,301,000 | 1,212,302,000 | 1,249,333,000 | 1,292,400,000 |
| Interest-bearing deposits | 925,935,000 | 927,565,000 | 927,537,000 | 994,328,000 |
| Noninterest-bearing deposits | 278,366,000 | 284,737,000 | 321,796,000 | 298,072,000 |
| Equity capital | 174,112,000 | 178,352,000 | 182,992,000 | 175,254,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 22,895,000 | 47,308,000 | 71,352,000 | 95,264,000 |
| Interest expense | 3,019,000 | 6,360,000 | 9,857,000 | 13,421,000 |
| Net interest income | 19,876,000 | 40,948,000 | 61,495,000 | 81,843,000 |
| Noninterest income | 7,144,000 | 15,193,000 | 23,368,000 | 29,617,000 |
| Noninterest expense | 19,311,000 | 38,560,000 | 58,257,000 | 76,169,000 |
| Provision for loan losses | 2,395,000 | 4,205,000 | 6,005,000 | 8,515,000 |
| Pretax income | 5,318,000 | 13,381,000 | 20,609,000 | 26,786,000 |
| Income tax | 1,121,000 | 2,917,000 | 4,546,000 | 5,860,000 |
| Net income | 4,197,000 | 10,465,000 | 16,059,000 | 20,935,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 164,923,000 | 167,978,000 | 172,354,000 | 165,021,000 |
| Total capital | 180,505,000 | 184,152,000 | 188,563,000 | 181,369,000 |
| Risk-weighted assets | 1,228,567,000 | 1,276,725,000 | 1,279,706,000 | 1,291,341,000 |