Call reports 2007
CITIZENS BANK OF SWAINSBORO, THE — 2007
What CITIZENS BANK OF SWAINSBORO, THE reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 121,972,000 | 121,047,000 | 124,153,000 | 122,313,000 |
| Total loans | 89,095,000 | 86,832,000 | 89,943,000 | 89,844,000 |
| Allowance for loan losses | 1,240,000 | 1,273,000 | 1,305,000 | 1,330,000 |
| Securities available for sale | 19,390,000 | 18,782,000 | 18,862,000 | 18,182,000 |
| Securities held to maturity | 250,000 | 250,000 | 250,000 | 250,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 111,429,000 | 110,281,000 | 112,875,000 | 110,611,000 |
| Interest-bearing deposits | 96,568,000 | 94,553,000 | 97,231,000 | 93,464,000 |
| Noninterest-bearing deposits | 14,861,000 | 15,728,000 | 15,644,000 | 17,147,000 |
| Equity capital | 9,560,000 | 9,845,000 | 10,317,000 | 10,799,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 2,237,000 | 4,522,000 | 6,830,000 | 9,136,000 |
| Interest expense | 945,000 | 1,915,000 | 2,882,000 | 3,800,000 |
| Net interest income | 1,292,000 | 2,607,000 | 3,948,000 | 5,336,000 |
| Noninterest income | 266,000 | 525,000 | 776,000 | 1,040,000 |
| Noninterest expense | 932,000 | 1,872,000 | 2,823,000 | 3,767,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 180,000 |
| Pretax income | 583,000 | 1,172,000 | 1,768,000 | 2,432,000 |
| Income tax | 204,000 | 421,000 | 636,000 | 828,000 |
| Net income | 379,000 | 751,000 | 1,132,000 | 1,604,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,580,000 | 9,915,000 | 10,296,000 | 10,762,000 |
| Total capital | 10,761,000 | 11,072,000 | 11,496,000 | 11,959,000 |
| Risk-weighted assets | 94,442,000 | 92,469,000 | 95,921,000 | 95,631,000 |
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