Call reports 2005
CITIZENS-FARMERS BANK OF COLE CAMP, THE — 2005
What CITIZENS-FARMERS BANK OF COLE CAMP, THE reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 68,670,000 | 74,117,000 | 73,043,000 | 73,526,000 |
| Total loans | 51,685,000 | 54,301,000 | 55,337,000 | 56,188,000 |
| Allowance for loan losses | 589,000 | 538,000 | 534,000 | 496,000 |
| Securities available for sale | 7,130,000 | 9,137,000 | 9,081,000 | 9,048,000 |
| Securities held to maturity | 3,550,000 | 3,691,000 | 3,682,000 | 3,618,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 53,908,000 | 59,217,000 | 57,820,000 | 57,509,000 |
| Interest-bearing deposits | 47,189,000 | 52,163,000 | 50,713,000 | 49,577,000 |
| Noninterest-bearing deposits | 6,719,000 | 7,054,000 | 7,108,000 | 7,932,000 |
| Equity capital | 13,449,000 | 13,675,000 | 14,032,000 | 13,779,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 936,000 | 1,936,000 | 3,093,000 | 4,196,000 |
| Interest expense | 247,000 | 524,000 | 825,000 | 1,149,000 |
| Net interest income | 689,000 | 1,412,000 | 2,268,000 | 3,047,000 |
| Noninterest income | 76,000 | 160,000 | 274,000 | 397,000 |
| Noninterest expense | 356,000 | 760,000 | 1,138,000 | 1,737,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 409,000 | 812,000 | 1,404,000 | 1,707,000 |
| Income tax | 141,000 | 277,000 | 487,000 | 593,000 |
| Net income | 268,000 | 535,000 | 917,000 | 1,114,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,496,000 | 13,493,000 | 13,875,000 | 13,654,000 |
| Total capital | 14,085,000 | 14,031,000 | 14,409,000 | 14,150,000 |
| Risk-weighted assets | 69,661,000 | 75,024,000 | 73,986,000 | 74,125,000 |