Call reports 2012
CITIZENS-FARMERS BANK OF COLE CAMP, THE — 2012
What CITIZENS-FARMERS BANK OF COLE CAMP, THE reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 97,542,000 | 95,523,000 | 96,030,000 | 98,619,000 |
| Total loans | 66,675,000 | 66,595,000 | 67,235,000 | 66,943,000 |
| Allowance for loan losses | 998,000 | 998,000 | 949,000 | 941,000 |
| Securities available for sale | 11,515,000 | 11,519,000 | 11,002,000 | 10,707,000 |
| Securities held to maturity | 6,485,000 | 6,964,000 | 6,950,000 | 7,168,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 80,944,000 | 78,655,000 | 78,802,000 | 81,833,000 |
| Interest-bearing deposits | 69,761,000 | 67,458,000 | 67,533,000 | 69,496,000 |
| Noninterest-bearing deposits | 11,183,000 | 11,197,000 | 11,269,000 | 12,337,000 |
| Equity capital | 16,398,000 | 16,657,000 | 17,006,000 | 16,568,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,074,000 | 2,144,000 | 3,216,000 | 4,262,000 |
| Interest expense | 185,000 | 347,000 | 505,000 | 656,000 |
| Net interest income | 889,000 | 1,797,000 | 2,711,000 | 3,606,000 |
| Noninterest income | 125,000 | 283,000 | 415,000 | 553,000 |
| Noninterest expense | 505,000 | 1,056,000 | 1,586,000 | 2,226,000 |
| Provision for loan losses | 50,000 | 50,000 | 50,000 | 77,000 |
| Pretax income | 459,000 | 974,000 | 1,490,000 | 1,856,000 |
| Income tax | 153,000 | 320,000 | 490,000 | 629,000 |
| Net income | 306,000 | 654,000 | 1,000,000 | 1,227,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,132,000 | 16,426,000 | 16,781,000 | 16,367,000 |
| Total capital | 17,130,000 | 17,424,000 | 17,730,000 | 17,308,000 |
| Risk-weighted assets | 97,369,000 | 95,314,000 | 95,765,000 | 98,374,000 |