Call reports 2016
CITIZENS BANK OF SWAINSBORO, THE — 2016
What CITIZENS BANK OF SWAINSBORO, THE reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 163,579,000 | 167,235,000 | 170,821,000 | 180,557,000 |
| Total loans | 118,893,000 | 122,802,000 | 130,801,000 | 131,489,000 |
| Allowance for loan losses | 3,111,000 | 3,046,000 | 3,174,000 | 3,173,000 |
| Securities available for sale | 19,701,000 | 19,581,000 | 19,099,000 | 22,871,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 144,449,000 | 147,601,000 | 150,721,000 | 156,462,000 |
| Interest-bearing deposits | 114,118,000 | 115,711,000 | 117,461,000 | 123,850,000 |
| Noninterest-bearing deposits | 30,331,000 | 31,890,000 | 33,260,000 | 32,612,000 |
| Equity capital | 17,291,000 | 17,773,000 | 18,065,000 | 18,118,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,865,000 | 3,787,000 | 5,859,000 | 7,957,000 |
| Interest expense | 139,000 | 284,000 | 431,000 | 582,000 |
| Net interest income | 1,726,000 | 3,503,000 | 5,428,000 | 7,375,000 |
| Noninterest income | 339,000 | 677,000 | 1,058,000 | 1,435,000 |
| Noninterest expense | 1,413,000 | 2,863,000 | 4,312,000 | 5,745,000 |
| Provision for loan losses | 180,000 | 350,000 | 530,000 | 710,000 |
| Pretax income | 480,000 | 1,001,000 | 1,678,000 | 2,399,000 |
| Income tax | 164,000 | 340,000 | 579,000 | 746,000 |
| Net income | 316,000 | 661,000 | 1,099,000 | 1,653,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,100,000 | 17,445,000 | 17,712,000 | 18,307,000 |
| Total capital | 18,527,000 | 18,917,000 | 19,269,000 | 19,858,000 |
| Risk-weighted assets | 112,459,000 | 116,205,000 | 122,914,000 | 122,450,000 |