Call reports 2017
CITIZENS BANK OF SWAINSBORO, THE — 2017
What CITIZENS BANK OF SWAINSBORO, THE reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 185,395,000 | 188,976,000 | 192,432,000 | 198,594,000 |
| Total loans | 135,583,000 | 137,499,000 | 143,425,000 | 145,102,000 |
| Allowance for loan losses | 3,330,000 | 3,365,000 | 3,521,000 | 3,687,000 |
| Securities available for sale | 17,816,000 | 18,141,000 | 17,706,000 | 23,793,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 161,030,000 | 164,076,000 | 166,963,000 | 172,952,000 |
| Interest-bearing deposits | 122,596,000 | 123,968,000 | 124,084,000 | 132,730,000 |
| Noninterest-bearing deposits | 38,434,000 | 40,108,000 | 42,879,000 | 40,222,000 |
| Equity capital | 18,289,000 | 18,846,000 | 19,284,000 | 19,316,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 2,099,000 | 4,280,000 | 6,532,000 | 8,864,000 |
| Interest expense | 182,000 | 378,000 | 589,000 | 815,000 |
| Net interest income | 1,917,000 | 3,902,000 | 5,943,000 | 8,049,000 |
| Noninterest income | 327,000 | 684,000 | 1,043,000 | 1,523,000 |
| Noninterest expense | 1,483,000 | 2,997,000 | 4,527,000 | 6,133,000 |
| Provision for loan losses | 180,000 | 360,000 | 540,000 | 720,000 |
| Pretax income | 581,000 | 1,276,000 | 1,966,000 | 2,768,000 |
| Income tax | 194,000 | 446,000 | 694,000 | 1,307,000 |
| Net income | 387,000 | 830,000 | 1,272,000 | 1,461,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,350,000 | 18,802,000 | 19,253,000 | 19,422,000 |
| Total capital | 19,977,000 | 20,448,000 | 20,981,000 | 21,172,000 |
| Risk-weighted assets | 128,458,000 | 129,961,000 | 136,468,000 | 138,080,000 |