Call reports 2005
CITIZENS BANK OF SWAINSBORO, THE — 2005
What CITIZENS BANK OF SWAINSBORO, THE reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 101,979,000 | 100,289,000 | 101,416,000 | 109,296,000 |
| Total loans | 71,170,000 | 69,767,000 | 71,465,000 | 78,783,000 |
| Allowance for loan losses | 1,026,000 | 1,069,000 | 1,098,000 | 1,118,000 |
| Securities available for sale | 16,626,000 | 19,970,000 | 19,261,000 | 20,478,000 |
| Securities held to maturity | 366,000 | 366,000 | 311,000 | 311,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 90,846,000 | 88,866,000 | 89,612,000 | 97,137,000 |
| Interest-bearing deposits | 76,303,000 | 75,809,000 | 76,598,000 | 81,568,000 |
| Noninterest-bearing deposits | 14,543,000 | 13,057,000 | 13,014,000 | 15,569,000 |
| Equity capital | 7,534,000 | 7,829,000 | 8,139,000 | 8,460,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,383,000 | 2,871,000 | 4,480,000 | 6,174,000 |
| Interest expense | 361,000 | 791,000 | 1,273,000 | 1,821,000 |
| Net interest income | 1,022,000 | 2,080,000 | 3,207,000 | 4,353,000 |
| Noninterest income | 262,000 | 504,000 | 759,000 | 1,005,000 |
| Noninterest expense | 823,000 | 1,643,000 | 2,478,000 | 3,297,000 |
| Provision for loan losses | 42,000 | 84,000 | 144,000 | 186,000 |
| Pretax income | 419,000 | 859,000 | 1,346,000 | 1,877,000 |
| Income tax | 147,000 | 305,000 | 472,000 | 611,000 |
| Net income | 272,000 | 554,000 | 874,000 | 1,266,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,541,000 | 7,825,000 | 8,144,000 | 8,535,000 |
| Total capital | 8,484,000 | 8,754,000 | 9,091,000 | 9,572,000 |
| Risk-weighted assets | 75,386,000 | 74,196,000 | 75,602,000 | 82,859,000 |
Machine access — free, no API key
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