Call reports 2024
CITIZENS BANK OF SWAINSBORO, THE — 2024
What CITIZENS BANK OF SWAINSBORO, THE reported to the FFIEC in 2024, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Total assets | 340,184,000 | 345,148,000 | 359,744,000 | 388,816,000 |
| Total loans | 247,798,000 | 258,917,000 | 261,353,000 | 263,330,000 |
| Allowance for loan losses | 5,031,000 | 5,069,000 | 5,186,000 | 5,186,000 |
| Securities available for sale | 33,505,000 | 32,421,000 | 33,586,000 | 39,684,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 299,668,000 | 303,298,000 | 315,152,000 | 343,346,000 |
| Interest-bearing deposits | 208,468,000 | 213,121,000 | 223,170,000 | 238,614,000 |
| Noninterest-bearing deposits | 91,200,000 | 90,177,000 | 91,982,000 | 104,732,000 |
| Equity capital | 36,540,000 | 38,053,000 | 40,311,000 | 41,434,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Interest income | 4,988,000 | 10,399,000 | 16,004,000 | 21,880,000 |
| Interest expense | 1,030,000 | 2,220,000 | 3,502,000 | 4,812,000 |
| Net interest income | 3,958,000 | 8,179,000 | 12,502,000 | 17,068,000 |
| Noninterest income | 510,000 | 1,026,000 | 1,554,000 | 2,081,000 |
| Noninterest expense | 2,423,000 | 5,049,000 | 7,712,000 | 10,457,000 |
| Provision for loan losses | 105,000 | 225,000 | 345,000 | 456,000 |
| Pretax income | 1,925,000 | 3,916,000 | 5,984,000 | 8,212,000 |
| Income tax | 458,000 | 920,000 | 1,345,000 | 1,728,000 |
| Net income | 1,467,000 | 2,996,000 | 4,639,000 | 6,484,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Tier 1 capital | 37,531,000 | 39,065,000 | 40,715,000 | 42,570,000 |
| Total capital | 40,361,000 | 42,034,000 | 43,685,000 | 45,616,000 |
| Risk-weighted assets | 224,130,000 | 235,338,000 | 235,308,000 | 241,461,000 |