Call reports 2020
CITIZENS-FARMERS BANK OF COLE CAMP, THE — 2020
What CITIZENS-FARMERS BANK OF COLE CAMP, THE reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 137,366,000 | 143,037,000 | 144,785,000 | 145,360,000 |
| Total loans | 86,735,000 | 87,578,000 | 87,967,000 | 88,983,000 |
| Allowance for loan losses | 1,556,000 | 1,708,000 | 1,713,000 | 1,713,000 |
| Securities available for sale | 24,307,000 | 27,694,000 | 30,921,000 | 31,971,000 |
| Securities held to maturity | 8,417,000 | 8,238,000 | 7,584,000 | 7,574,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 115,364,000 | 119,797,000 | 121,029,000 | 122,082,000 |
| Interest-bearing deposits | 96,217,000 | 96,089,000 | 96,762,000 | 95,416,000 |
| Noninterest-bearing deposits | 19,147,000 | 23,708,000 | 24,267,000 | 26,666,000 |
| Equity capital | 21,209,000 | 22,271,000 | 22,895,000 | 22,471,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 1,391,000 | 2,746,000 | 4,091,000 | 5,462,000 |
| Interest expense | 303,000 | 565,000 | 759,000 | 919,000 |
| Net interest income | 1,088,000 | 2,181,000 | 3,332,000 | 4,543,000 |
| Noninterest income | 168,000 | 303,000 | 454,000 | 607,000 |
| Noninterest expense | 598,000 | 1,203,000 | 1,853,000 | 2,802,000 |
| Provision for loan losses | 90,000 | 227,000 | 227,000 | 227,000 |
| Pretax income | 568,000 | 1,054,000 | 1,706,000 | 2,121,000 |
| Income tax | 100,000 | 189,000 | 318,000 | 376,000 |
| Net income | 468,000 | 865,000 | 1,388,000 | 1,745,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,598,000 | 21,932,000 | 22,455,000 | 22,012,000 |