Call reports 2016
CITIZENS-FARMERS BANK OF COLE CAMP, THE — 2016
What CITIZENS-FARMERS BANK OF COLE CAMP, THE reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 121,776,000 | 121,988,000 | 123,632,000 | 124,545,000 |
| Total loans | 79,422,000 | 78,805,000 | 80,109,000 | 80,488,000 |
| Allowance for loan losses | 1,003,000 | 1,002,000 | 987,000 | 974,000 |
| Securities available for sale | 9,510,000 | 9,937,000 | 10,320,000 | 12,046,000 |
| Securities held to maturity | 16,352,000 | 15,992,000 | 15,977,000 | 15,961,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 102,216,000 | 102,191,000 | 103,562,000 | 105,001,000 |
| Interest-bearing deposits | 86,126,000 | 85,956,000 | 85,441,000 | 84,676,000 |
| Noninterest-bearing deposits | 16,090,000 | 16,235,000 | 18,121,000 | 20,325,000 |
| Equity capital | 19,018,000 | 19,373,000 | 19,647,000 | 19,121,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,136,000 | 2,289,000 | 3,433,000 | 4,612,000 |
| Interest expense | 153,000 | 307,000 | 463,000 | 618,000 |
| Net interest income | 983,000 | 1,982,000 | 2,970,000 | 3,994,000 |
| Noninterest income | 209,000 | 369,000 | 541,000 | 707,000 |
| Noninterest expense | 619,000 | 1,256,000 | 1,931,000 | 2,650,000 |
| Provision for loan losses | 90,000 | 90,000 | 148,000 | 148,000 |
| Pretax income | 483,000 | 1,005,000 | 1,432,000 | 1,903,000 |
| Income tax | 149,000 | 286,000 | 411,000 | 548,000 |
| Net income | 334,000 | 719,000 | 1,021,000 | 1,355,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,962,000 | 19,285,000 | 19,587,000 | 19,270,000 |
| Total capital | 19,965,000 | 20,219,000 | 20,540,000 | 20,229,000 |
| Risk-weighted assets | 83,433,000 | 74,663,000 | 76,170,000 | 76,778,000 |