Call reports 2010
CITIZENS BANK OF SWAINSBORO, THE — 2010
What CITIZENS BANK OF SWAINSBORO, THE reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 136,870,000 | 137,610,000 | 134,404,000 | 140,593,000 |
| Total loans | 109,827,000 | 109,615,000 | 108,707,000 | 107,880,000 |
| Allowance for loan losses | 1,573,000 | 1,629,000 | 1,810,000 | 2,056,000 |
| Securities available for sale | 11,063,000 | 11,123,000 | 11,135,000 | 16,291,000 |
| Securities held to maturity | 250,000 | 250,000 | 250,000 | 250,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 121,943,000 | 122,723,000 | 121,411,000 | 127,427,000 |
| Interest-bearing deposits | 104,450,000 | 105,441,000 | 104,414,000 | 110,497,000 |
| Noninterest-bearing deposits | 17,493,000 | 17,282,000 | 16,997,000 | 16,930,000 |
| Equity capital | 11,986,000 | 11,900,000 | 11,995,000 | 12,181,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 1,730,000 | 3,432,000 | 5,225,000 | 6,985,000 |
| Interest expense | 439,000 | 890,000 | 1,328,000 | 1,741,000 |
| Net interest income | 1,291,000 | 2,542,000 | 3,897,000 | 5,244,000 |
| Noninterest income | 282,000 | 537,000 | 816,000 | 1,104,000 |
| Noninterest expense | 1,056,000 | 2,164,000 | 3,170,000 | 4,225,000 |
| Provision for loan losses | 340,000 | 942,000 | 1,492,000 | 1,742,000 |
| Pretax income | 182,000 | -22,000 | 56,000 | 386,000 |
| Income tax | 54,000 | 0 | 0 | 49,000 |
| Net income | 128,000 | -22,000 | 56,000 | 337,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,963,000 | 11,812,000 | 11,891,000 | 12,172,000 |
| Total capital | 13,310,000 | 13,151,000 | 13,208,000 | 13,488,000 |
| Risk-weighted assets | 107,545,000 | 106,844,000 | 104,867,000 | 104,503,000 |