Call reports 2013
CITIZENS BANK OF SWAINSBORO, THE — 2013
What CITIZENS BANK OF SWAINSBORO, THE reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 148,281,000 | 147,863,000 | 147,725,000 | 151,757,000 |
| Total loans | 98,940,000 | 100,241,000 | 101,006,000 | 101,955,000 |
| Allowance for loan losses | 3,325,000 | 3,303,000 | 3,330,000 | 3,278,000 |
| Securities available for sale | 20,131,000 | 20,647,000 | 22,348,000 | 21,945,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 133,070,000 | 132,434,000 | 132,252,000 | 135,996,000 |
| Interest-bearing deposits | 110,464,000 | 109,488,000 | 108,646,000 | 111,634,000 |
| Noninterest-bearing deposits | 22,606,000 | 22,946,000 | 23,606,000 | 24,362,000 |
| Equity capital | 13,988,000 | 13,908,000 | 14,044,000 | 14,431,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,621,000 | 3,267,000 | 4,980,000 | 6,705,000 |
| Interest expense | 168,000 | 332,000 | 498,000 | 657,000 |
| Net interest income | 1,453,000 | 2,935,000 | 4,482,000 | 6,048,000 |
| Noninterest income | 277,000 | 593,000 | 888,000 | 1,122,000 |
| Noninterest expense | 1,084,000 | 2,200,000 | 3,336,000 | 4,494,000 |
| Provision for loan losses | 150,000 | 300,000 | 450,000 | 575,000 |
| Pretax income | 501,000 | 1,033,000 | 1,589,000 | 2,106,000 |
| Income tax | 176,000 | 362,000 | 562,000 | 683,000 |
| Net income | 325,000 | 671,000 | 1,027,000 | 1,423,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,803,000 | 14,135,000 | 14,492,000 | 14,880,000 |
| Total capital | 14,987,000 | 15,338,000 | 15,715,000 | 16,108,000 |
| Risk-weighted assets | 92,551,000 | 94,131,000 | 95,706,000 | 96,161,000 |