Call reports 2007
CITIZENS-FARMERS BANK OF COLE CAMP, THE — 2007
What CITIZENS-FARMERS BANK OF COLE CAMP, THE reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 80,018,000 | 80,249,000 | 82,016,000 | 81,213,000 |
| Total loans | 58,967,000 | 60,112,000 | 61,503,000 | 61,951,000 |
| Allowance for loan losses | 415,000 | 415,000 | 415,000 | 414,000 |
| Securities available for sale | 6,997,000 | 8,292,000 | 8,353,000 | 8,382,000 |
| Securities held to maturity | 3,511,000 | 3,444,000 | 3,368,000 | 3,304,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 63,557,000 | 63,687,000 | 65,050,000 | 64,636,000 |
| Interest-bearing deposits | 55,696,000 | 54,791,000 | 56,053,000 | 55,715,000 |
| Noninterest-bearing deposits | 7,861,000 | 8,896,000 | 8,997,000 | 8,920,000 |
| Equity capital | 14,612,000 | 14,779,000 | 15,143,000 | 14,838,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,273,000 | 2,571,000 | 3,905,000 | 5,289,000 |
| Interest expense | 509,000 | 1,043,000 | 1,594,000 | 2,140,000 |
| Net interest income | 764,000 | 1,528,000 | 2,311,000 | 3,149,000 |
| Noninterest income | 115,000 | 232,000 | 371,000 | 495,000 |
| Noninterest expense | 443,000 | 946,000 | 1,389,000 | 1,964,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 436,000 | 814,000 | 1,293,000 | 1,680,000 |
| Income tax | 159,000 | 268,000 | 441,000 | 575,000 |
| Net income | 277,000 | 546,000 | 852,000 | 1,105,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,436,000 | 14,659,000 | 14,969,000 | 14,636,000 |
| Total capital | 14,851,000 | 15,074,000 | 15,384,000 | 15,050,000 |
| Risk-weighted assets | 80,444,000 | 79,997,000 | 81,662,000 | 80,805,000 |