Call reports 2003
CITIZENS-FARMERS BANK OF COLE CAMP, THE — 2003
What CITIZENS-FARMERS BANK OF COLE CAMP, THE reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 66,063,000 | 67,376,000 | 66,742,000 | 66,869,000 |
| Total loans | 46,134,000 | 48,324,000 | 49,401,000 | 49,662,000 |
| Allowance for loan losses | 597,000 | 675,000 | 660,000 | 630,000 |
| Securities available for sale | 9,378,000 | 9,272,000 | 9,156,000 | 7,974,000 |
| Securities held to maturity | 2,921,000 | 3,506,000 | 3,529,000 | 3,401,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 51,993,000 | 53,130,000 | 52,224,000 | 52,527,000 |
| Interest-bearing deposits | 46,374,000 | 46,580,000 | 45,959,000 | 46,041,000 |
| Noninterest-bearing deposits | 5,619,000 | 6,550,000 | 6,265,000 | 6,486,000 |
| Equity capital | 12,208,000 | 12,462,000 | 12,769,000 | 12,607,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 975,000 | 1,943,000 | 2,912,000 | 3,863,000 |
| Interest expense | 314,000 | 616,000 | 898,000 | 1,162,000 |
| Net interest income | 661,000 | 1,327,000 | 2,014,000 | 2,701,000 |
| Noninterest income | 82,000 | 171,000 | 259,000 | 342,000 |
| Noninterest expense | 304,000 | 583,000 | 837,000 | 1,219,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 439,000 | 915,000 | 1,436,000 | 1,824,000 |
| Income tax | 150,000 | 317,000 | 500,000 | 634,000 |
| Net income | 289,000 | 598,000 | 936,000 | 1,190,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,090,000 | 12,336,000 | 12,674,000 | 12,541,000 |
| Total capital | 12,687,000 | 13,011,000 | 13,334,000 | 13,171,000 |
| Risk-weighted assets | 66,473,000 | 67,853,000 | 67,253,000 | 67,391,000 |