Call reports 2004
CITIZENS-FARMERS BANK OF COLE CAMP, THE — 2004
What CITIZENS-FARMERS BANK OF COLE CAMP, THE reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 69,867,000 | 69,646,000 | 68,850,000 | 66,864,000 |
| Total loans | 49,091,000 | 49,799,000 | 50,644,000 | 50,510,000 |
| Allowance for loan losses | 633,000 | 636,000 | 632,000 | 598,000 |
| Securities available for sale | 8,670,000 | 8,777,000 | 8,527,000 | 7,957,000 |
| Securities held to maturity | 3,458,000 | 4,502,000 | 4,660,000 | 4,435,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 55,120,000 | 54,847,000 | 53,798,000 | 51,950,000 |
| Interest-bearing deposits | 48,410,000 | 49,219,000 | 47,237,000 | 45,557,000 |
| Noninterest-bearing deposits | 6,710,000 | 5,629,000 | 6,562,000 | 6,392,000 |
| Equity capital | 12,889,000 | 13,106,000 | 13,371,000 | 13,212,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 925,000 | 1,867,000 | 2,806,000 | 3,761,000 |
| Interest expense | 251,000 | 501,000 | 750,000 | 994,000 |
| Net interest income | 674,000 | 1,366,000 | 2,056,000 | 2,767,000 |
| Noninterest income | 78,000 | 162,000 | 243,000 | 345,000 |
| Noninterest expense | 318,000 | 624,000 | 945,000 | 1,376,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 434,000 | 904,000 | 1,354,000 | 1,736,000 |
| Income tax | 150,000 | 254,000 | 466,000 | 599,000 |
| Net income | 284,000 | 650,000 | 888,000 | 1,137,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,825,000 | 13,128,000 | 13,366,000 | 13,228,000 |
| Total capital | 13,458,000 | 13,764,000 | 13,998,000 | 13,826,000 |
| Risk-weighted assets | 70,728,000 | 70,649,000 | 69,803,000 | 67,817,000 |