Call reports 2004
CITIZENS BANK OF SWAINSBORO, THE — 2004
What CITIZENS BANK OF SWAINSBORO, THE reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 85,663,000 | 84,791,000 | 86,819,000 | 94,617,000 |
| Total loans | 63,586,000 | 66,017,000 | 66,919,000 | 70,509,000 |
| Allowance for loan losses | 893,000 | 937,000 | 951,000 | 1,004,000 |
| Securities available for sale | 12,606,000 | 11,928,000 | 11,693,000 | 11,581,000 |
| Securities held to maturity | 421,000 | 421,000 | 366,000 | 366,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 76,332,000 | 74,621,000 | 76,031,000 | 83,613,000 |
| Interest-bearing deposits | 65,808,000 | 63,384,000 | 64,233,000 | 70,789,000 |
| Noninterest-bearing deposits | 10,524,000 | 11,237,000 | 11,798,000 | 12,824,000 |
| Equity capital | 6,833,000 | 6,893,000 | 7,234,000 | 7,498,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,126,000 | 2,278,000 | 3,486,000 | 4,755,000 |
| Interest expense | 219,000 | 443,000 | 696,000 | 991,000 |
| Net interest income | 907,000 | 1,835,000 | 2,790,000 | 3,764,000 |
| Noninterest income | 224,000 | 459,000 | 688,000 | 915,000 |
| Noninterest expense | 751,000 | 1,499,000 | 2,267,000 | 3,031,000 |
| Provision for loan losses | 48,000 | 90,000 | 132,000 | 174,000 |
| Pretax income | 332,000 | 705,000 | 1,079,000 | 1,474,000 |
| Income tax | 116,000 | 245,000 | 375,000 | 474,000 |
| Net income | 216,000 | 460,000 | 704,000 | 1,000,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,676,000 | 6,920,000 | 7,164,000 | 7,460,000 |
| Total capital | 7,502,000 | 7,766,000 | 8,020,000 | 8,374,000 |
| Risk-weighted assets | 66,002,000 | 67,623,000 | 68,731,000 | 73,063,000 |
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