Call reports 2023
CITIZENS BANK OF SWAINSBORO, THE — 2023
What CITIZENS BANK OF SWAINSBORO, THE reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 315,296,000 | 325,529,000 | 325,683,000 | 339,469,000 |
| Total loans | 242,270,000 | 240,461,000 | 245,078,000 | 245,613,000 |
| Allowance for loan losses | 4,934,000 | 4,922,000 | 4,877,000 | 4,957,000 |
| Securities available for sale | 27,122,000 | 32,035,000 | 31,676,000 | 29,175,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 279,788,000 | 289,134,000 | 288,213,000 | 299,567,000 |
| Interest-bearing deposits | 190,292,000 | 195,540,000 | 197,750,000 | 147,605,000 |
| Noninterest-bearing deposits | 89,496,000 | 93,594,000 | 90,463,000 | 151,962,000 |
| Equity capital | 31,897,000 | 32,962,000 | 33,695,000 | 36,246,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 4,018,000 | 8,398,000 | 13,024,000 | 17,975,000 |
| Interest expense | 374,000 | 961,000 | 1,748,000 | 2,685,000 |
| Net interest income | 3,644,000 | 7,437,000 | 11,276,000 | 15,290,000 |
| Noninterest income | 507,000 | 1,026,000 | 1,542,000 | 2,145,000 |
| Noninterest expense | 2,398,000 | 4,774,000 | 7,236,000 | 9,702,000 |
| Provision for loan losses | 90,000 | 180,000 | 270,000 | 323,000 |
| Pretax income | 1,663,000 | 3,509,000 | 5,312,000 | 7,333,000 |
| Income tax | 393,000 | 830,000 | 1,267,000 | 1,599,000 |
| Net income | 1,270,000 | 2,679,000 | 4,045,000 | 5,734,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,740,000 | 34,081,000 | 35,365,000 | 37,042,000 |
| Total capital | 35,552,000 | 36,848,000 | 38,204,000 | 39,857,000 |
| Risk-weighted assets | 222,801,000 | 219,206,000 | 225,086,000 | 223,019,000 |