Call reports 2009
CITIZENS BANK OF SWAINSBORO, THE — 2009
What CITIZENS BANK OF SWAINSBORO, THE reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 132,012,000 | 131,669,000 | 128,380,000 | 138,587,000 |
| Total loans | 107,257,000 | 105,982,000 | 105,696,000 | 108,067,000 |
| Allowance for loan losses | 1,448,000 | 1,133,000 | 1,242,000 | 1,510,000 |
| Securities available for sale | 10,820,000 | 11,119,000 | 10,322,000 | 10,497,000 |
| Securities held to maturity | 250,000 | 250,000 | 250,000 | 250,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 115,618,000 | 116,061,000 | 113,516,000 | 123,792,000 |
| Interest-bearing deposits | 98,465,000 | 99,224,000 | 96,653,000 | 105,697,000 |
| Noninterest-bearing deposits | 17,153,000 | 16,837,000 | 16,863,000 | 18,095,000 |
| Equity capital | 11,562,000 | 11,615,000 | 11,857,000 | 11,920,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,684,000 | 3,428,000 | 5,217,000 | 6,978,000 |
| Interest expense | 550,000 | 1,066,000 | 1,551,000 | 1,987,000 |
| Net interest income | 1,134,000 | 2,362,000 | 3,666,000 | 4,991,000 |
| Noninterest income | 264,000 | 504,000 | 750,000 | 1,013,000 |
| Noninterest expense | 965,000 | 2,105,000 | 3,105,000 | 4,251,000 |
| Provision for loan losses | 120,000 | 300,000 | 600,000 | 975,000 |
| Pretax income | 315,000 | 566,000 | 816,000 | 897,000 |
| Income tax | 95,000 | 177,000 | 269,000 | 237,000 |
| Net income | 220,000 | 389,000 | 547,000 | 660,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,439,000 | 11,609,000 | 11,767,000 | 11,879,000 |
| Total capital | 12,799,000 | 12,742,000 | 13,009,000 | 13,212,000 |
| Risk-weighted assets | 108,753,000 | 106,136,000 | 102,252,000 | 106,456,000 |
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