Call reports 2014
CITIZENS-FARMERS BANK OF COLE CAMP, THE — 2014
What CITIZENS-FARMERS BANK OF COLE CAMP, THE reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 109,211,000 | 112,649,000 | 113,691,000 | 113,077,000 |
| Total loans | 70,949,000 | 70,915,000 | 73,393,000 | 74,558,000 |
| Allowance for loan losses | 892,000 | 869,000 | 867,000 | 907,000 |
| Securities available for sale | 9,529,000 | 9,563,000 | 9,550,000 | 7,279,000 |
| Securities held to maturity | 14,397,000 | 19,591,000 | 19,987,000 | 19,957,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 91,327,000 | 94,499,000 | 95,080,000 | 94,867,000 |
| Interest-bearing deposits | 77,773,000 | 81,294,000 | 82,595,000 | 79,605,000 |
| Noninterest-bearing deposits | 13,554,000 | 13,205,000 | 12,485,000 | 15,262,000 |
| Equity capital | 17,460,000 | 17,812,000 | 18,238,000 | 17,881,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,052,000 | 2,123,000 | 3,262,000 | 4,379,000 |
| Interest expense | 144,000 | 291,000 | 439,000 | 585,000 |
| Net interest income | 908,000 | 1,832,000 | 2,823,000 | 3,794,000 |
| Noninterest income | 145,000 | 307,000 | 467,000 | 620,000 |
| Noninterest expense | 524,000 | 1,054,000 | 1,590,000 | 2,300,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 529,000 | 1,085,000 | 1,700,000 | 2,114,000 |
| Income tax | 169,000 | 337,000 | 524,000 | 638,000 |
| Net income | 360,000 | 748,000 | 1,176,000 | 1,476,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,426,000 | 17,751,000 | 18,179,000 | 17,829,000 |
| Total capital | 18,318,000 | 18,620,000 | 19,046,000 | 18,736,000 |
| Risk-weighted assets | 109,100,000 | 112,464,000 | 113,521,000 | 112,953,000 |