Call reports 2009
CITIZENS-FARMERS BANK OF COLE CAMP, THE — 2009
What CITIZENS-FARMERS BANK OF COLE CAMP, THE reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 92,931,000 | 93,630,000 | 92,224,000 | 93,895,000 |
| Total loans | 65,515,000 | 65,076,000 | 66,269,000 | 66,880,000 |
| Allowance for loan losses | 630,000 | 642,000 | 761,000 | 877,000 |
| Securities available for sale | 10,988,000 | 11,789,000 | 10,814,000 | 9,701,000 |
| Securities held to maturity | 3,443,000 | 3,701,000 | 3,983,000 | 4,182,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 76,082,000 | 76,908,000 | 75,432,000 | 77,576,000 |
| Interest-bearing deposits | 68,295,000 | 68,703,000 | 67,186,000 | 68,194,000 |
| Noninterest-bearing deposits | 7,787,000 | 8,205,000 | 8,246,000 | 9,382,000 |
| Equity capital | 15,505,000 | 15,623,000 | 15,686,000 | 15,251,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,197,000 | 2,401,000 | 3,601,000 | 4,789,000 |
| Interest expense | 422,000 | 830,000 | 1,227,000 | 1,586,000 |
| Net interest income | 775,000 | 1,571,000 | 2,374,000 | 3,203,000 |
| Noninterest income | 138,000 | 270,000 | 435,000 | 577,000 |
| Noninterest expense | 480,000 | 1,047,000 | 1,600,000 | 2,206,000 |
| Provision for loan losses | 0 | 10,000 | 326,000 | 533,000 |
| Pretax income | 433,000 | 784,000 | 883,000 | 1,041,000 |
| Income tax | 147,000 | 264,000 | 365,000 | 321,000 |
| Net income | 286,000 | 520,000 | 518,000 | 720,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,290,000 | 15,471,000 | 15,477,000 | 15,100,000 |
| Total capital | 15,920,000 | 16,113,000 | 16,238,000 | 15,977,000 |
| Risk-weighted assets | 92,723,000 | 93,505,000 | 92,104,000 | 93,961,000 |