Call reports 2008
CITIZENS BANK OF SWAINSBORO, THE — 2008
What CITIZENS BANK OF SWAINSBORO, THE reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 121,785,000 | 121,186,000 | 125,214,000 | 130,908,000 |
| Total loans | 95,124,000 | 99,056,000 | 103,382,000 | 106,482,000 |
| Allowance for loan losses | 1,379,000 | 1,532,000 | 1,511,000 | 1,365,000 |
| Securities available for sale | 15,284,000 | 12,353,000 | 11,923,000 | 10,911,000 |
| Securities held to maturity | 250,000 | 250,000 | 250,000 | 250,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 109,792,000 | 108,225,000 | 108,918,000 | 114,324,000 |
| Interest-bearing deposits | 93,567,000 | 91,546,000 | 93,609,000 | 95,958,000 |
| Noninterest-bearing deposits | 16,225,000 | 16,679,000 | 15,309,000 | 18,366,000 |
| Equity capital | 10,781,000 | 10,985,000 | 11,392,000 | 11,656,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 2,096,000 | 4,073,000 | 5,930,000 | 7,762,000 |
| Interest expense | 775,000 | 1,415,000 | 2,013,000 | 2,620,000 |
| Net interest income | 1,321,000 | 2,658,000 | 3,917,000 | 5,142,000 |
| Noninterest income | 273,000 | 534,000 | 801,000 | 1,073,000 |
| Noninterest expense | 967,000 | 1,951,000 | 2,924,000 | 3,905,000 |
| Provision for loan losses | 60,000 | 110,000 | 190,000 | 340,000 |
| Pretax income | 567,000 | 1,131,000 | 1,604,000 | 1,970,000 |
| Income tax | 199,000 | 392,000 | 551,000 | 661,000 |
| Net income | 368,000 | 739,000 | 1,053,000 | 1,309,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,647,000 | 11,019,000 | 11,332,000 | 11,588,000 |
| Total capital | 11,897,000 | 12,298,000 | 12,653,000 | 12,943,000 |
| Risk-weighted assets | 99,898,000 | 102,078,000 | 105,499,000 | 108,351,000 |
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