Call reports 2012
CITIZENS BANK OF SWAINSBORO, THE — 2012
What CITIZENS BANK OF SWAINSBORO, THE reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 142,975,000 | 144,278,000 | 142,758,000 | 148,484,000 |
| Total loans | 101,070,000 | 100,580,000 | 100,863,000 | 99,536,000 |
| Allowance for loan losses | 2,838,000 | 3,110,000 | 3,218,000 | 3,264,000 |
| Securities available for sale | 15,625,000 | 15,514,000 | 16,959,000 | 17,642,000 |
| Securities held to maturity | 250,000 | 250,000 | 250,000 | 250,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 128,818,000 | 129,782,000 | 127,882,000 | 133,278,000 |
| Interest-bearing deposits | 109,021,000 | 108,663,000 | 106,834,000 | 111,501,000 |
| Noninterest-bearing deposits | 19,797,000 | 21,119,000 | 21,048,000 | 21,777,000 |
| Equity capital | 13,098,000 | 13,356,000 | 13,667,000 | 14,011,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,702,000 | 3,346,000 | 4,990,000 | 6,623,000 |
| Interest expense | 228,000 | 439,000 | 640,000 | 824,000 |
| Net interest income | 1,474,000 | 2,907,000 | 4,350,000 | 5,799,000 |
| Noninterest income | 332,000 | 627,000 | 920,000 | 1,206,000 |
| Noninterest expense | 1,114,000 | 2,215,000 | 3,300,000 | 4,375,000 |
| Provision for loan losses | 275,000 | 575,000 | 800,000 | 950,000 |
| Pretax income | 417,000 | 880,000 | 1,306,000 | 1,816,000 |
| Income tax | 135,000 | 299,000 | 441,000 | 564,000 |
| Net income | 282,000 | 581,000 | 865,000 | 1,252,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,844,000 | 13,133,000 | 13,317,000 | 13,705,000 |
| Total capital | 14,070,000 | 14,356,000 | 14,537,000 | 14,910,000 |
| Risk-weighted assets | 96,475,000 | 95,929,000 | 95,587,000 | 94,366,000 |