Call reports 2022
CITIZENS BANK OF SWAINSBORO, THE — 2022
What CITIZENS BANK OF SWAINSBORO, THE reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 304,459,000 | 304,791,000 | 313,317,000 | 329,476,000 |
| Total loans | 207,729,000 | 210,648,000 | 216,857,000 | 230,788,000 |
| Allowance for loan losses | 4,586,000 | 4,694,000 | 4,802,000 | 4,888,000 |
| Securities available for sale | 19,247,000 | 20,093,000 | 21,702,000 | 26,273,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 272,551,000 | 272,613,000 | 280,365,000 | 294,957,000 |
| Interest-bearing deposits | 139,357,000 | 188,955,000 | 191,546,000 | 206,906,000 |
| Noninterest-bearing deposits | 133,194,000 | 83,658,000 | 88,819,000 | 88,051,000 |
| Equity capital | 28,613,000 | 29,054,000 | 29,618,000 | 31,126,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 2,976,000 | 5,989,000 | 9,340,000 | 13,286,000 |
| Interest expense | 118,000 | 266,000 | 477,000 | 755,000 |
| Net interest income | 2,858,000 | 5,723,000 | 8,863,000 | 12,531,000 |
| Noninterest income | 459,000 | 1,066,000 | 1,581,000 | 2,067,000 |
| Noninterest expense | 2,102,000 | 4,230,000 | 6,457,000 | 8,867,000 |
| Provision for loan losses | 90,000 | 180,000 | 270,000 | 360,000 |
| Pretax income | 1,125,000 | 2,379,000 | 3,717,000 | 5,371,000 |
| Income tax | 306,000 | 554,000 | 842,000 | 1,201,000 |
| Net income | 819,000 | 1,825,000 | 2,875,000 | 4,170,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,910,000 | 29,912,000 | 30,971,000 | 32,147,000 |
| Total capital | 31,296,000 | 32,354,000 | 33,487,000 | 34,817,000 |
| Risk-weighted assets | 188,717,000 | 193,070,000 | 199,011,000 | 211,387,000 |