Call reports 2006
CITIZENS BANK OF SWAINSBORO, THE — 2006
What CITIZENS BANK OF SWAINSBORO, THE reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 112,327,000 | 112,819,000 | 117,583,000 | 121,123,000 |
| Total loans | 80,676,000 | 86,955,000 | 88,568,000 | 87,577,000 |
| Allowance for loan losses | 1,126,000 | 1,179,000 | 1,170,000 | 1,192,000 |
| Securities available for sale | 18,308,000 | 16,157,000 | 14,650,000 | 16,883,000 |
| Securities held to maturity | 311,000 | 311,000 | 251,000 | 250,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 101,969,000 | 102,029,000 | 107,269,000 | 110,765,000 |
| Interest-bearing deposits | 87,307,000 | 87,475,000 | 93,320,000 | 94,774,000 |
| Noninterest-bearing deposits | 14,662,000 | 14,554,000 | 13,949,000 | 15,991,000 |
| Equity capital | 8,554,000 | 8,911,000 | 9,365,000 | 9,457,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,873,000 | 3,896,000 | 6,016,000 | 8,202,000 |
| Interest expense | 662,000 | 1,395,000 | 2,214,000 | 3,119,000 |
| Net interest income | 1,211,000 | 2,501,000 | 3,802,000 | 5,083,000 |
| Noninterest income | 245,000 | 502,000 | 756,000 | 1,049,000 |
| Noninterest expense | 867,000 | 1,756,000 | 2,621,000 | 3,578,000 |
| Provision for loan losses | 45,000 | 100,000 | 160,000 | 240,000 |
| Pretax income | 544,000 | 1,147,000 | 1,777,000 | 2,314,000 |
| Income tax | 199,000 | 415,000 | 649,000 | 814,000 |
| Net income | 345,000 | 732,000 | 1,128,000 | 1,500,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,643,000 | 9,029,000 | 9,425,000 | 9,479,000 |
| Total capital | 9,707,000 | 10,157,000 | 10,582,000 | 10,646,000 |
| Risk-weighted assets | 85,123,000 | 90,217,000 | 92,517,000 | 93,362,000 |
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