Call reports 2015
CITIZENS-FARMERS BANK OF COLE CAMP, THE — 2015
What CITIZENS-FARMERS BANK OF COLE CAMP, THE reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 117,049,000 | 115,753,000 | 113,269,000 | 117,655,000 |
| Total loans | 75,459,000 | 75,787,000 | 75,947,000 | 77,713,000 |
| Allowance for loan losses | 879,000 | 911,000 | 887,000 | 894,000 |
| Securities available for sale | 7,620,000 | 8,028,000 | 8,333,000 | 8,304,000 |
| Securities held to maturity | 19,694,000 | 19,663,000 | 19,179,000 | 17,724,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 98,302,000 | 96,838,000 | 93,836,000 | 98,578,000 |
| Interest-bearing deposits | 83,578,000 | 82,838,000 | 80,081,000 | 82,283,000 |
| Noninterest-bearing deposits | 14,724,000 | 14,000,000 | 13,755,000 | 16,295,000 |
| Equity capital | 18,305,000 | 18,569,000 | 19,033,000 | 18,679,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,083,000 | 2,197,000 | 3,317,000 | 4,453,000 |
| Interest expense | 145,000 | 293,000 | 439,000 | 589,000 |
| Net interest income | 938,000 | 1,904,000 | 2,878,000 | 3,864,000 |
| Noninterest income | 149,000 | 335,000 | 488,000 | 663,000 |
| Noninterest expense | 525,000 | 1,076,000 | 1,597,000 | 2,317,000 |
| Provision for loan losses | 0 | 40,000 | 40,000 | 52,000 |
| Pretax income | 562,000 | 1,123,000 | 1,729,000 | 2,158,000 |
| Income tax | 167,000 | 349,000 | 526,000 | 646,000 |
| Net income | 395,000 | 774,000 | 1,203,000 | 1,512,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,224,000 | 18,540,000 | 18,969,000 | 18,628,000 |
| Total capital | 19,103,000 | 19,451,000 | 19,856,000 | 19,522,000 |
| Risk-weighted assets | 79,908,000 | 80,420,000 | 82,739,000 | 84,642,000 |