Call reports 2019
CITIZENS BANK OF SWAINSBORO, THE — 2019
What CITIZENS BANK OF SWAINSBORO, THE reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 210,188,000 | 213,576,000 | 214,210,000 | 217,895,000 |
| Total loans | 155,884,000 | 156,207,000 | 158,688,000 | 164,912,000 |
| Allowance for loan losses | 4,049,000 | 4,082,000 | 4,166,000 | 4,245,000 |
| Securities available for sale | 18,707,000 | 18,673,000 | 18,295,000 | 18,170,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 182,058,000 | 184,463,000 | 184,148,000 | 191,141,000 |
| Interest-bearing deposits | 142,484,000 | 144,229,000 | 142,677,000 | 151,151,000 |
| Noninterest-bearing deposits | 39,574,000 | 40,234,000 | 41,471,000 | 39,990,000 |
| Equity capital | 21,477,000 | 22,507,000 | 23,270,000 | 24,000,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 2,606,000 | 5,294,000 | 8,032,000 | 10,796,000 |
| Interest expense | 346,000 | 724,000 | 1,113,000 | 1,462,000 |
| Net interest income | 2,260,000 | 4,570,000 | 6,919,000 | 9,334,000 |
| Noninterest income | 487,000 | 1,042,000 | 1,533,000 | 2,007,000 |
| Noninterest expense | 1,820,000 | 3,586,000 | 5,428,000 | 7,304,000 |
| Provision for loan losses | 120,000 | 240,000 | 360,000 | 480,000 |
| Pretax income | 807,000 | 1,789,000 | 2,667,000 | 3,565,000 |
| Income tax | 187,000 | 421,000 | 630,000 | 688,000 |
| Net income | 620,000 | 1,368,000 | 2,037,000 | 2,877,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,589,000 | 22,344,000 | 23,022,000 | 23,734,000 |
| Total capital | 23,462,000 | 24,198,000 | 24,900,000 | 25,677,000 |
| Risk-weighted assets | 147,641,000 | 146,084,000 | 147,991,000 | 153,150,000 |