Call reports 2018
CITIZENS BANK OF SWAINSBORO, THE — 2018
What CITIZENS BANK OF SWAINSBORO, THE reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 202,815,000 | 204,591,000 | 205,130,000 | 210,969,000 |
| Total loans | 147,463,000 | 149,496,000 | 150,606,000 | 152,261,000 |
| Allowance for loan losses | 3,802,000 | 3,755,000 | 3,877,000 | 3,995,000 |
| Securities available for sale | 19,179,000 | 18,779,000 | 18,121,000 | 18,388,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 177,284,000 | 178,285,000 | 178,385,000 | 183,290,000 |
| Interest-bearing deposits | 140,479,000 | 141,227,000 | 139,076,000 | 146,836,000 |
| Noninterest-bearing deposits | 36,805,000 | 37,058,000 | 39,309,000 | 36,454,000 |
| Equity capital | 19,350,000 | 19,852,000 | 20,275,000 | 21,067,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 2,343,000 | 4,767,000 | 7,281,000 | 9,892,000 |
| Interest expense | 246,000 | 517,000 | 800,000 | 1,117,000 |
| Net interest income | 2,097,000 | 4,250,000 | 6,481,000 | 8,775,000 |
| Noninterest income | 413,000 | 860,000 | 1,315,000 | 1,796,000 |
| Noninterest expense | 1,764,000 | 3,494,000 | 5,242,000 | 7,090,000 |
| Provision for loan losses | 150,000 | 300,000 | 450,000 | 550,000 |
| Pretax income | 596,000 | 1,316,000 | 2,104,000 | 2,931,000 |
| Income tax | 131,000 | 304,000 | 491,000 | 579,000 |
| Net income | 465,000 | 1,012,000 | 1,613,000 | 2,352,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,544,000 | 20,084,000 | 20,671,000 | 21,373,000 |
| Total capital | 21,309,000 | 21,874,000 | 22,468,000 | 23,193,000 |
| Risk-weighted assets | 139,135,000 | 141,207,000 | 141,719,000 | 143,457,000 |