Call reports 2021
CITIZENS AND FARMERS BANK — 2021
What CITIZENS AND FARMERS BANK reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 2,137,078,000 | 2,137,147,000 | 2,176,659,000 | 2,238,851,000 |
| Total loans | 1,553,124,000 | 1,498,419,000 | 1,498,922,000 | 1,490,249,000 |
| Allowance for loan losses | 39,033,000 | 38,951,000 | 39,447,000 | 40,157,000 |
| Securities available for sale | 321,285,000 | 356,886,000 | 363,413,000 | 373,073,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,854,558,000 | 1,849,900,000 | 1,871,258,000 | 1,935,422,000 |
| Interest-bearing deposits | 1,283,358,000 | 1,280,202,000 | 1,277,209,000 | 1,332,928,000 |
| Noninterest-bearing deposits | 571,200,000 | 569,698,000 | 594,049,000 | 602,494,000 |
| Equity capital | 221,022,000 | 228,499,000 | 231,929,000 | 235,772,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 23,133,000 | 47,055,000 | 70,707,000 | 93,974,000 |
| Interest expense | 1,818,000 | 3,369,000 | 4,765,000 | 6,010,000 |
| Net interest income | 21,315,000 | 43,686,000 | 65,942,000 | 87,964,000 |
| Noninterest income | 13,711,000 | 26,209,000 | 38,226,000 | 46,886,000 |
| Noninterest expense | 24,487,000 | 48,536,000 | 71,585,000 | 92,891,000 |
| Provision for loan losses | 280,000 | -320,000 | 110,000 | 575,000 |
| Pretax income | 10,336,000 | 21,764,000 | 32,649,000 | 41,598,000 |
| Income tax | 2,519,000 | 5,200,000 | 7,656,000 | 9,989,000 |
| Net income | 7,713,000 | 16,378,000 | 24,654,000 | 31,153,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 199,779,000 | 206,523,000 | 210,878,000 | 213,423,000 |
| Total capital | 219,286,000 | 226,139,000 | 231,261,000 | 233,780,000 |
| Risk-weighted assets | 1,541,052,000 | 1,549,971,000 | 1,611,600,000 | 1,608,761,000 |