Call reports 2002
CITIZENS BANK OF SWAINSBORO, THE — 2002
What CITIZENS BANK OF SWAINSBORO, THE reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 62,084,000 | 62,030,000 | 64,191,000 | 67,903,000 |
| Total loans | 33,146,000 | 40,262,000 | 44,096,000 | 47,961,000 |
| Allowance for loan losses | 585,000 | 614,000 | 644,000 | 657,000 |
| Securities available for sale | 16,234,000 | 14,953,000 | 14,247,000 | 11,811,000 |
| Securities held to maturity | 517,000 | 517,000 | 472,000 | 472,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 56,298,000 | 56,025,000 | 57,396,000 | 60,882,000 |
| Interest-bearing deposits | 47,498,000 | 46,913,000 | 48,711,000 | 51,529,000 |
| Noninterest-bearing deposits | 8,800,000 | 9,112,000 | 8,685,000 | 9,353,000 |
| Equity capital | 5,528,000 | 5,774,000 | 6,435,000 | 6,684,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 910,000 | 1,868,000 | 2,849,000 | 3,860,000 |
| Interest expense | 275,000 | 530,000 | 777,000 | 1,027,000 |
| Net interest income | 635,000 | 1,338,000 | 2,072,000 | 2,833,000 |
| Noninterest income | 153,000 | 298,000 | 456,000 | 635,000 |
| Noninterest expense | 492,000 | 1,096,000 | 1,727,000 | 2,397,000 |
| Provision for loan losses | 36,000 | 72,000 | 108,000 | 147,000 |
| Pretax income | 260,000 | 462,000 | 687,000 | 918,000 |
| Income tax | 87,000 | 159,000 | 227,000 | 270,000 |
| Net income | 173,000 | 303,000 | 460,000 | 648,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,599,000 | 5,730,000 | 6,275,000 | 6,528,000 |
| Total capital | 6,087,000 | 6,273,000 | 6,856,000 | 7,151,000 |
| Risk-weighted assets | 38,768,000 | 43,687,000 | 46,441,000 | 50,205,000 |
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