Call reports 2006
CITIZENS-FARMERS BANK OF COLE CAMP, THE — 2006
What CITIZENS-FARMERS BANK OF COLE CAMP, THE reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 77,959,000 | 77,572,000 | 77,133,000 | 77,020,000 |
| Total loans | 57,344,000 | 57,515,000 | 57,766,000 | 58,496,000 |
| Allowance for loan losses | 496,000 | 486,000 | 444,000 | 418,000 |
| Securities available for sale | 8,519,000 | 8,736,000 | 8,323,000 | 7,235,000 |
| Securities held to maturity | 3,391,000 | 3,479,000 | 3,473,000 | 3,518,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 61,676,000 | 61,137,000 | 60,364,000 | 60,517,000 |
| Interest-bearing deposits | 53,947,000 | 53,179,000 | 52,442,000 | 52,955,000 |
| Noninterest-bearing deposits | 7,729,000 | 7,958,000 | 7,922,000 | 7,562,000 |
| Equity capital | 14,050,000 | 14,218,000 | 14,571,000 | 14,326,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,115,000 | 2,299,000 | 3,527,000 | 4,779,000 |
| Interest expense | 407,000 | 864,000 | 1,361,000 | 1,860,000 |
| Net interest income | 708,000 | 1,435,000 | 2,166,000 | 2,919,000 |
| Noninterest income | 147,000 | 270,000 | 392,000 | 512,000 |
| Noninterest expense | 430,000 | 899,000 | 1,324,000 | 1,912,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 425,000 | 806,000 | 1,234,000 | 1,519,000 |
| Income tax | 146,000 | 282,000 | 416,000 | 520,000 |
| Net income | 279,000 | 524,000 | 818,000 | 999,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,938,000 | 14,127,000 | 14,428,000 | 14,182,000 |
| Total capital | 14,434,000 | 14,613,000 | 14,872,000 | 14,600,000 |
| Risk-weighted assets | 78,570,000 | 78,196,000 | 77,620,000 | 77,464,000 |