Call reports 2010
CITIZENS-FARMERS BANK OF COLE CAMP, THE — 2010
What CITIZENS-FARMERS BANK OF COLE CAMP, THE reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 95,863,000 | 93,062,000 | 92,817,000 | 90,978,000 |
| Total loans | 67,177,000 | 68,506,000 | 69,095,000 | 67,358,000 |
| Allowance for loan losses | 996,000 | 1,057,000 | 1,077,000 | 1,404,000 |
| Securities available for sale | 11,624,000 | 10,142,000 | 9,088,000 | 8,271,000 |
| Securities held to maturity | 4,150,000 | 4,397,000 | 5,464,000 | 5,601,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 79,336,000 | 76,337,000 | 75,605,000 | 74,680,000 |
| Interest-bearing deposits | 71,363,000 | 68,444,000 | 67,789,000 | 65,995,000 |
| Noninterest-bearing deposits | 7,973,000 | 7,893,000 | 7,816,000 | 8,685,000 |
| Equity capital | 15,516,000 | 15,766,000 | 16,183,000 | 15,371,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 1,151,000 | 2,281,000 | 3,437,000 | 4,579,000 |
| Interest expense | 330,000 | 619,000 | 880,000 | 1,122,000 |
| Net interest income | 821,000 | 1,662,000 | 2,557,000 | 3,457,000 |
| Noninterest income | 166,000 | 345,000 | 535,000 | 673,000 |
| Noninterest expense | 512,000 | 1,064,000 | 1,551,000 | 2,167,000 |
| Provision for loan losses | 119,000 | 198,000 | 218,000 | 763,000 |
| Pretax income | 356,000 | 745,000 | 1,323,000 | 1,200,000 |
| Income tax | 102,000 | 244,000 | 442,000 | 455,000 |
| Net income | 254,000 | 501,000 | 881,000 | 745,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,356,000 | 15,557,000 | 15,942,000 | 15,229,000 |
| Total capital | 16,352,000 | 16,614,000 | 17,019,000 | 16,372,000 |
| Risk-weighted assets | 95,984,000 | 93,103,000 | 92,812,000 | 91,173,000 |