Call reports 2021
CITIZENS BANK OF SWAINSBORO, THE — 2021
What CITIZENS BANK OF SWAINSBORO, THE reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 277,377,000 | 279,100,000 | 278,674,000 | 302,152,000 |
| Total loans | 187,187,000 | 185,605,000 | 187,209,000 | 191,322,000 |
| Allowance for loan losses | 4,372,000 | 4,445,000 | 4,468,000 | 4,533,000 |
| Securities available for sale | 18,164,000 | 19,336,000 | 18,792,000 | 23,879,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 245,771,000 | 246,654,000 | 245,152,000 | 268,049,000 |
| Interest-bearing deposits | 174,778,000 | 175,868,000 | 173,650,000 | 191,952,000 |
| Noninterest-bearing deposits | 70,993,000 | 70,786,000 | 71,502,000 | 76,097,000 |
| Equity capital | 26,612,000 | 27,442,000 | 28,292,000 | 28,953,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 2,673,000 | 5,416,000 | 8,293,000 | 11,179,000 |
| Interest expense | 166,000 | 310,000 | 449,000 | 593,000 |
| Net interest income | 2,507,000 | 5,106,000 | 7,844,000 | 10,586,000 |
| Noninterest income | 446,000 | 1,037,000 | 1,536,000 | 2,005,000 |
| Noninterest expense | 1,960,000 | 4,082,000 | 6,182,000 | 8,257,000 |
| Provision for loan losses | 90,000 | 180,000 | 250,000 | 340,000 |
| Pretax income | 903,000 | 1,881,000 | 2,948,000 | 3,994,000 |
| Income tax | 193,000 | 405,000 | 648,000 | 819,000 |
| Net income | 710,000 | 1,476,000 | 2,300,000 | 3,175,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,236,000 | 27,006,000 | 27,836,000 | 28,615,000 |
| Total capital | 28,322,000 | 29,095,000 | 29,989,000 | 30,818,000 |
| Risk-weighted assets | 164,630,000 | 164,745,000 | 169,951,000 | 173,922,000 |