Call reports 2025
CITIZENS BANK OF SWAINSBORO, THE — 2025
What CITIZENS BANK OF SWAINSBORO, THE reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 399,953,000 | 400,822,000 | 408,952,000 | 412,938,000 |
| Total loans | 274,095,000 | 281,913,000 | 286,408,000 | 290,444,000 |
| Allowance for loan losses | 5,308,000 | 5,364,000 | 5,482,000 | 5,557,000 |
| Securities available for sale | 45,293,000 | 46,115,000 | 47,907,000 | 52,405,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 353,051,000 | 352,658,000 | 358,154,000 | 359,946,000 |
| Interest-bearing deposits | 243,310,000 | 246,241,000 | 249,849,000 | 257,431,000 |
| Noninterest-bearing deposits | 109,741,000 | 106,417,000 | 108,305,000 | 102,515,000 |
| Equity capital | 42,272,000 | 44,107,000 | 46,646,000 | 48,765,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 5,880,000 | 12,149,000 | 18,590,000 | 25,068,000 |
| Interest expense | 1,365,000 | 2,755,000 | 4,197,000 | 5,675,000 |
| Net interest income | 4,515,000 | 9,394,000 | 14,393,000 | 19,393,000 |
| Noninterest income | 450,000 | 1,036,000 | 1,490,000 | 2,005,000 |
| Noninterest expense | 2,657,000 | 5,449,000 | 8,275,000 | 11,159,000 |
| Provision for loan losses | 120,000 | 192,000 | 357,000 | 522,000 |
| Pretax income | 2,188,000 | 4,741,000 | 7,203,000 | 9,679,000 |
| Income tax | 477,000 | 1,044,000 | 1,591,000 | 2,039,000 |
| Net income | 1,711,000 | 3,697,000 | 5,612,000 | 7,640,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 43,074,000 | 45,072,000 | 47,016,000 | 49,075,000 |
| Total capital | 46,242,000 | 48,319,000 | 50,315,000 | 52,390,000 |
| Risk-weighted assets | 251,232,000 | 257,468,000 | 261,613,000 | 262,820,000 |