Call reports 2015
CITIZENS BANK OF SWAINSBORO, THE — 2015
What CITIZENS BANK OF SWAINSBORO, THE reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 151,789,000 | 152,497,000 | 153,440,000 | 165,141,000 |
| Total loans | 100,749,000 | 104,010,000 | 110,346,000 | 114,751,000 |
| Allowance for loan losses | 2,795,000 | 2,830,000 | 2,849,000 | 2,980,000 |
| Securities available for sale | 23,624,000 | 22,989,000 | 19,210,000 | 18,867,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 134,260,000 | 134,851,000 | 135,346,000 | 146,584,000 |
| Interest-bearing deposits | 108,706,000 | 108,289,000 | 108,900,000 | 115,564,000 |
| Noninterest-bearing deposits | 25,554,000 | 26,562,000 | 26,446,000 | 31,020,000 |
| Equity capital | 15,855,000 | 15,952,000 | 16,419,000 | 16,893,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,678,000 | 3,410,000 | 5,174,000 | 7,035,000 |
| Interest expense | 141,000 | 280,000 | 420,000 | 562,000 |
| Net interest income | 1,537,000 | 3,130,000 | 4,754,000 | 6,473,000 |
| Noninterest income | 297,000 | 656,000 | 951,000 | 1,289,000 |
| Noninterest expense | 1,203,000 | 2,445,000 | 3,750,000 | 5,089,000 |
| Provision for loan losses | 150,000 | 300,000 | 450,000 | 630,000 |
| Pretax income | 481,000 | 1,041,000 | 1,518,000 | 2,056,000 |
| Income tax | 169,000 | 360,000 | 520,000 | 616,000 |
| Net income | 312,000 | 681,000 | 998,000 | 1,440,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,714,000 | 16,002,000 | 16,319,000 | 16,736,000 |
| Total capital | 16,924,000 | 17,274,000 | 17,656,000 | 18,120,000 |
| Risk-weighted assets | 95,282,000 | 100,186,000 | 105,429,000 | 109,164,000 |