Call reports 2025
CITIZENS AND FARMERS BANK — 2025
What CITIZENS AND FARMERS BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 2,591,080,000 | 2,664,010,000 | 2,686,839,000 | 2,744,329,000 |
| Total loans | 1,970,182,000 | 2,036,085,000 | 2,040,061,000 | 2,093,965,000 |
| Allowance for loan losses | 40,043,000 | 39,578,000 | 39,446,000 | 39,677,000 |
| Securities available for sale | 431,513,000 | 434,506,000 | 439,034,000 | 458,111,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 2,225,409,000 | 2,261,271,000 | 2,306,041,000 | 2,354,756,000 |
| Interest-bearing deposits | 1,637,185,000 | 1,700,908,000 | 1,740,049,000 | 1,802,113,000 |
| Noninterest-bearing deposits | 588,224,000 | 560,363,000 | 565,992,000 | 552,643,000 |
| Equity capital | 266,464,000 | 296,202,000 | 307,328,000 | 314,343,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 36,087,000 | 73,596,000 | 112,491,000 | 151,920,000 |
| Interest expense | 10,381,000 | 20,523,000 | 31,022,000 | 41,716,000 |
| Net interest income | 25,706,000 | 53,073,000 | 81,469,000 | 110,204,000 |
| Noninterest income | 7,047,000 | 15,438,000 | 23,100,000 | 30,831,000 |
| Noninterest expense | 22,431,000 | 45,421,000 | 68,535,000 | 92,083,000 |
| Provision for loan losses | 3,050,000 | 5,150,000 | 8,150,000 | 11,750,000 |
| Pretax income | 7,529,000 | 18,324,000 | 28,565,000 | 38,143,000 |
| Income tax | 1,442,000 | 3,601,000 | 5,648,000 | 7,466,000 |
| Net income | 6,060,000 | 14,620,000 | 22,776,000 | 30,521,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 264,201,000 | 294,822,000 | 299,042,000 | 302,815,000 |
| Total capital | 290,920,000 | 322,137,000 | 326,424,000 | 330,859,000 |
| Risk-weighted assets | 2,123,130,000 | 2,171,206,000 | 2,176,842,000 | 2,230,262,000 |