Call reports 2011
CITIZENS BANK OF SWAINSBORO, THE — 2011
What CITIZENS BANK OF SWAINSBORO, THE reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 140,649,000 | 139,863,000 | 140,283,000 | 145,486,000 |
| Total loans | 106,618,000 | 103,609,000 | 106,252,000 | 105,584,000 |
| Allowance for loan losses | 2,128,000 | 2,155,000 | 2,399,000 | 2,834,000 |
| Securities available for sale | 13,984,000 | 14,089,000 | 14,481,000 | 17,928,000 |
| Securities held to maturity | 250,000 | 250,000 | 250,000 | 250,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 127,114,000 | 126,199,000 | 126,267,000 | 131,474,000 |
| Interest-bearing deposits | 109,790,000 | 108,388,000 | 107,222,000 | 112,737,000 |
| Noninterest-bearing deposits | 17,324,000 | 17,811,000 | 19,045,000 | 18,737,000 |
| Equity capital | 12,302,000 | 12,618,000 | 12,912,000 | 12,954,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 1,728,000 | 3,467,000 | 5,221,000 | 6,967,000 |
| Interest expense | 365,000 | 691,000 | 990,000 | 1,238,000 |
| Net interest income | 1,363,000 | 2,776,000 | 4,231,000 | 5,729,000 |
| Noninterest income | 311,000 | 643,000 | 953,000 | 1,249,000 |
| Noninterest expense | 1,131,000 | 2,168,000 | 3,321,000 | 4,353,000 |
| Provision for loan losses | 275,000 | 675,000 | 1,075,000 | 1,787,000 |
| Pretax income | 268,000 | 624,000 | 859,000 | 909,000 |
| Income tax | 89,000 | 213,000 | 290,000 | 251,000 |
| Net income | 179,000 | 411,000 | 569,000 | 658,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,268,000 | 12,495,000 | 12,653,000 | 12,734,000 |
| Total capital | 13,555,000 | 13,752,000 | 13,943,000 | 14,010,000 |
| Risk-weighted assets | 102,088,000 | 99,624,000 | 102,085,000 | 100,518,000 |