Call reports 2020
CITIZENS BANK OF SWAINSBORO, THE — 2020
What CITIZENS BANK OF SWAINSBORO, THE reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 224,532,000 | 251,188,000 | 256,889,000 | 270,203,000 |
| Total loans | 170,647,000 | 182,701,000 | 186,738,000 | 185,485,000 |
| Allowance for loan losses | 4,326,000 | 4,299,000 | 4,365,000 | 4,302,000 |
| Securities available for sale | 17,400,000 | 16,889,000 | 20,400,000 | 21,168,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 193,753,000 | 219,207,000 | 223,975,000 | 236,694,000 |
| Interest-bearing deposits | 148,487,000 | 158,685,000 | 167,710,000 | 175,548,000 |
| Noninterest-bearing deposits | 45,266,000 | 60,522,000 | 56,265,000 | 61,146,000 |
| Equity capital | 23,978,000 | 25,125,000 | 25,862,000 | 26,496,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 2,770,000 | 5,565,000 | 8,375,000 | 11,096,000 |
| Interest expense | 318,000 | 578,000 | 815,000 | 1,024,000 |
| Net interest income | 2,452,000 | 4,987,000 | 7,560,000 | 10,072,000 |
| Noninterest income | 426,000 | 850,000 | 1,305,000 | 1,759,000 |
| Noninterest expense | 1,954,000 | 3,886,000 | 5,907,000 | 7,993,000 |
| Provision for loan losses | 90,000 | 180,000 | 270,000 | 360,000 |
| Pretax income | 834,000 | 1,793,000 | 2,710,000 | 3,500,000 |
| Income tax | 188,000 | 413,000 | 589,000 | 643,000 |
| Net income | 646,000 | 1,380,000 | 2,121,000 | 2,857,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,915,000 | 24,645,000 | 25,399,000 | 26,017,000 |
| Total capital | 25,910,000 | 26,636,000 | 27,449,000 | 28,072,000 |
| Risk-weighted assets | 157,261,000 | 156,981,000 | 161,678,000 | 162,183,000 |