Call reports 2022
CITIZENS AND FARMERS BANK — 2022
What CITIZENS AND FARMERS BANK reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 2,278,285,000 | 2,315,676,000 | 2,319,899,000 | 2,312,638,000 |
| Total loans | 1,486,822,000 | 1,563,096,000 | 1,600,993,000 | 1,650,491,000 |
| Allowance for loan losses | 39,768,000 | 40,519,000 | 40,880,000 | 40,518,000 |
| Securities available for sale | 415,532,000 | 501,984,000 | 499,564,000 | 512,591,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,992,122,000 | 2,028,229,000 | 2,042,357,000 | 2,026,662,000 |
| Interest-bearing deposits | 1,372,919,000 | 1,383,171,000 | 1,361,856,000 | 1,399,138,000 |
| Noninterest-bearing deposits | 619,203,000 | 645,058,000 | 680,501,000 | 627,524,000 |
| Equity capital | 224,414,000 | 218,730,000 | 206,893,000 | 218,262,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 22,319,000 | 46,794,000 | 73,544,000 | 102,172,000 |
| Interest expense | 1,173,000 | 2,347,000 | 3,700,000 | 5,532,000 |
| Net interest income | 21,146,000 | 44,447,000 | 69,844,000 | 96,640,000 |
| Noninterest income | 7,877,000 | 15,549,000 | 22,177,000 | 28,234,000 |
| Noninterest expense | 21,077,000 | 41,943,000 | 63,583,000 | 83,791,000 |
| Provision for loan losses | -328,000 | 202,000 | 1,402,000 | 3,172,000 |
| Pretax income | 8,298,000 | 17,870,000 | 26,959,000 | 40,570,000 |
| Income tax | 1,853,000 | 3,982,000 | 5,896,000 | 8,568,000 |
| Net income | 6,339,000 | 13,741,000 | 20,851,000 | 31,792,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 216,837,000 | 221,313,000 | 224,999,000 | 232,985,000 |
| Total capital | 237,495,000 | 242,962,000 | 247,037,000 | 255,719,000 |
| Risk-weighted assets | 1,633,540,000 | 1,713,068,000 | 1,744,228,000 | 1,800,931,000 |