Call reports 2008
CITIZENS-FARMERS BANK OF COLE CAMP, THE — 2008
What CITIZENS-FARMERS BANK OF COLE CAMP, THE reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 85,220,000 | 85,827,000 | 84,187,000 | 84,224,000 |
| Total loans | 63,072,000 | 64,728,000 | 65,365,000 | 65,833,000 |
| Allowance for loan losses | 400,000 | 502,000 | 541,000 | 663,000 |
| Securities available for sale | 8,854,000 | 6,927,000 | 8,093,000 | 7,627,000 |
| Securities held to maturity | 2,899,000 | 2,894,000 | 2,829,000 | 2,860,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 68,570,000 | 69,189,000 | 67,233,000 | 67,763,000 |
| Interest-bearing deposits | 59,789,000 | 60,391,000 | 59,253,000 | 59,452,000 |
| Noninterest-bearing deposits | 8,782,000 | 8,798,000 | 7,980,000 | 8,311,000 |
| Equity capital | 15,201,000 | 15,277,000 | 15,642,000 | 15,230,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,350,000 | 2,682,000 | 4,001,000 | 5,261,000 |
| Interest expense | 539,000 | 1,049,000 | 1,523,000 | 1,975,000 |
| Net interest income | 811,000 | 1,633,000 | 2,478,000 | 3,286,000 |
| Noninterest income | 135,000 | 265,000 | 409,000 | 532,000 |
| Noninterest expense | 497,000 | 982,000 | 1,407,000 | 2,040,000 |
| Provision for loan losses | 0 | 95,000 | 135,000 | 267,000 |
| Pretax income | 449,000 | 821,000 | 1,345,000 | 1,511,000 |
| Income tax | 154,000 | 317,000 | 456,000 | 505,000 |
| Net income | 295,000 | 504,000 | 889,000 | 1,006,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,931,000 | 15,077,000 | 15,462,000 | 14,996,000 |
| Total capital | 15,331,000 | 15,579,000 | 16,003,000 | 15,659,000 |
| Risk-weighted assets | 84,678,000 | 85,493,000 | 83,915,000 | 83,971,000 |