Call reports 2013
CITIZENS-FARMERS BANK OF COLE CAMP, THE — 2013
What CITIZENS-FARMERS BANK OF COLE CAMP, THE reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 101,377,000 | 102,470,000 | 104,743,000 | 105,413,000 |
| Total loans | 68,270,000 | 70,029,000 | 70,829,000 | 70,591,000 |
| Allowance for loan losses | 950,000 | 957,000 | 773,000 | 913,000 |
| Securities available for sale | 10,149,000 | 8,930,000 | 8,984,000 | 9,922,000 |
| Securities held to maturity | 8,976,000 | 10,026,000 | 11,066,000 | 12,564,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 84,216,000 | 85,201,000 | 86,962,000 | 88,136,000 |
| Interest-bearing deposits | 72,623,000 | 72,745,000 | 75,186,000 | 75,326,000 |
| Noninterest-bearing deposits | 11,593,000 | 12,456,000 | 11,776,000 | 12,810,000 |
| Equity capital | 16,863,000 | 17,047,000 | 17,504,000 | 17,058,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,027,000 | 2,066,000 | 3,125,000 | 4,187,000 |
| Interest expense | 151,000 | 303,000 | 457,000 | 607,000 |
| Net interest income | 876,000 | 1,763,000 | 2,668,000 | 3,580,000 |
| Noninterest income | 132,000 | 271,000 | 441,000 | 596,000 |
| Noninterest expense | 512,000 | 1,028,000 | 1,482,000 | 2,084,000 |
| Provision for loan losses | 0 | 0 | 0 | 130,000 |
| Pretax income | 496,000 | 1,006,000 | 1,627,000 | 1,962,000 |
| Income tax | 157,000 | 326,000 | 530,000 | 630,000 |
| Net income | 339,000 | 680,000 | 1,097,000 | 1,332,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,715,000 | 17,064,000 | 17,481,000 | 17,066,000 |
| Total capital | 17,665,000 | 18,021,000 | 18,254,000 | 17,979,000 |
| Risk-weighted assets | 101,205,000 | 102,538,000 | 104,554,000 | 105,394,000 |