Call reports 2002
CITIZENS-FARMERS BANK OF COLE CAMP, THE — 2002
What CITIZENS-FARMERS BANK OF COLE CAMP, THE reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 61,580,000 | 62,096,000 | 63,993,000 | 64,293,000 |
| Total loans | 44,040,000 | 44,834,000 | 45,744,000 | 45,896,000 |
| Allowance for loan losses | 559,000 | 545,000 | 607,000 | 599,000 |
| Securities available for sale | 5,671,000 | 7,205,000 | 6,857,000 | 7,761,000 |
| Securities held to maturity | 4,492,000 | 4,078,000 | 3,930,000 | 3,736,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 48,164,000 | 48,474,000 | 49,931,000 | 50,501,000 |
| Interest-bearing deposits | 42,301,000 | 42,174,000 | 43,911,000 | 44,886,000 |
| Noninterest-bearing deposits | 5,863,000 | 6,300,000 | 6,020,000 | 5,615,000 |
| Equity capital | 11,482,000 | 11,764,000 | 12,116,000 | 11,944,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 1,023,000 | 2,053,000 | 3,071,000 | 4,076,000 |
| Interest expense | 384,000 | 738,000 | 1,074,000 | 1,414,000 |
| Net interest income | 639,000 | 1,315,000 | 1,997,000 | 2,662,000 |
| Noninterest income | 68,000 | 146,000 | 322,000 | 399,000 |
| Noninterest expense | 306,000 | 552,000 | 800,000 | 1,185,000 |
| Provision for loan losses | 81,000 | 142,000 | 231,000 | 248,000 |
| Pretax income | 320,000 | 767,000 | 1,288,000 | 1,628,000 |
| Income tax | 95,000 | 252,000 | 430,000 | 541,000 |
| Net income | 225,000 | 515,000 | 858,000 | 1,087,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,389,000 | 11,617,000 | 11,960,000 | 11,801,000 |
| Total capital | 11,948,000 | 12,162,000 | 12,567,000 | 12,400,000 |
| Risk-weighted assets | 61,991,000 | 62,405,000 | 64,350,000 | 64,664,000 |