Call reports 2019
CITIZENS-FARMERS BANK OF COLE CAMP, THE — 2019
What CITIZENS-FARMERS BANK OF COLE CAMP, THE reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 132,996,000 | 133,396,000 | 134,895,000 | 133,204,000 |
| Total loans | 88,014,000 | 88,088,000 | 86,083,000 | 86,845,000 |
| Allowance for loan losses | 1,670,000 | 1,546,000 | 1,492,000 | 1,465,000 |
| Securities available for sale | 15,447,000 | 15,532,000 | 18,094,000 | 19,520,000 |
| Securities held to maturity | 13,100,000 | 13,086,000 | 13,072,000 | 13,107,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 111,486,000 | 111,421,000 | 112,239,000 | 111,129,000 |
| Interest-bearing deposits | 92,348,000 | 92,190,000 | 93,652,000 | 92,259,000 |
| Noninterest-bearing deposits | 19,138,000 | 19,231,000 | 18,587,000 | 18,870,000 |
| Equity capital | 20,662,000 | 21,205,000 | 21,825,000 | 21,234,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 1,362,000 | 2,722,000 | 4,150,000 | 5,544,000 |
| Interest expense | 302,000 | 623,000 | 935,000 | 1,245,000 |
| Net interest income | 1,060,000 | 2,099,000 | 3,215,000 | 4,299,000 |
| Noninterest income | 174,000 | 365,000 | 536,000 | 734,000 |
| Noninterest expense | 596,000 | 1,298,000 | 2,013,000 | 2,978,000 |
| Provision for loan losses | 600,000 | 600,000 | 610,000 | 710,000 |
| Pretax income | 38,000 | 566,000 | 1,128,000 | 1,345,000 |
| Income tax | 159,000 | 159,000 | 159,000 | 216,000 |
| Net income | -121,000 | 407,000 | 969,000 | 1,129,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,693,000 | 21,157,000 | 21,719,000 | 21,130,000 |
| Total capital | 21,706,000 | 22,181,000 | 22,726,000 | 22,149,000 |
| Risk-weighted assets | 80,412,000 | 81,456,000 | 80,096,000 | 81,119,000 |