Call reports 2004
CITIZENS BANK OF GEORGIA, THE — 2004
What CITIZENS BANK OF GEORGIA, THE reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 117,097,000 | 121,061,000 | 125,591,000 | 135,570,000 |
| Total loans | 84,135,000 | 86,218,000 | 94,621,000 | 103,642,000 |
| Allowance for loan losses | 1,047,000 | 1,069,000 | 1,149,000 | 1,269,000 |
| Securities available for sale | 18,909,000 | 15,125,000 | 20,162,000 | 17,993,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 105,307,000 | 109,292,000 | 113,709,000 | 123,269,000 |
| Interest-bearing deposits | 90,526,000 | 93,916,000 | 98,086,000 | 107,481,000 |
| Noninterest-bearing deposits | 14,781,000 | 15,376,000 | 15,623,000 | 15,788,000 |
| Equity capital | 10,907,000 | 10,976,000 | 11,317,000 | 11,461,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,540,000 | 3,086,000 | 4,741,000 | 6,592,000 |
| Interest expense | 368,000 | 741,000 | 1,206,000 | 1,765,000 |
| Net interest income | 1,172,000 | 2,345,000 | 3,535,000 | 4,827,000 |
| Noninterest income | 195,000 | 416,000 | 597,000 | 785,000 |
| Noninterest expense | 914,000 | 1,865,000 | 2,814,000 | 3,806,000 |
| Provision for loan losses | 28,000 | 60,000 | 138,000 | 266,000 |
| Pretax income | 447,000 | 862,000 | 1,206,000 | 1,566,000 |
| Income tax | 159,000 | 306,000 | 428,000 | 552,000 |
| Net income | 288,000 | 556,000 | 778,000 | 1,014,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,705,000 | 10,972,000 | 11,195,000 | 11,431,000 |
| Total capital | 11,752,000 | 12,041,000 | 12,344,000 | 12,700,000 |
| Risk-weighted assets | 95,384,000 | 95,484,000 | 104,024,000 | 113,738,000 |
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