Call reports 2005
CITIZENS BANK OF GEORGIA, THE — 2005
What CITIZENS BANK OF GEORGIA, THE reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 142,425,000 | 155,143,000 | 158,439,000 | 156,942,000 |
| Total loans | 104,342,000 | 109,956,000 | 116,603,000 | 117,735,000 |
| Allowance for loan losses | 1,309,000 | 1,363,000 | 1,440,000 | 1,466,000 |
| Securities available for sale | 26,030,000 | 17,890,000 | 23,502,000 | 26,967,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 129,974,000 | 141,034,000 | 144,154,000 | 142,410,000 |
| Interest-bearing deposits | 111,533,000 | 121,943,000 | 124,836,000 | 124,002,000 |
| Noninterest-bearing deposits | 18,441,000 | 19,091,000 | 19,318,000 | 18,408,000 |
| Equity capital | 11,526,000 | 11,869,000 | 12,142,000 | 12,385,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,953,000 | 4,025,000 | 6,429,000 | 8,895,000 |
| Interest expense | 616,000 | 1,324,000 | 2,227,000 | 3,165,000 |
| Net interest income | 1,337,000 | 2,701,000 | 4,202,000 | 5,730,000 |
| Noninterest income | 193,000 | 416,000 | 663,000 | 941,000 |
| Noninterest expense | 1,093,000 | 2,240,000 | 3,404,000 | 4,547,000 |
| Provision for loan losses | 43,000 | 96,000 | 173,000 | 233,000 |
| Pretax income | 394,000 | 783,000 | 1,290,000 | 1,893,000 |
| Income tax | 140,000 | 278,000 | 458,000 | 681,000 |
| Net income | 254,000 | 505,000 | 832,000 | 1,212,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,685,000 | 11,936,000 | 12,263,000 | 12,643,000 |
| Total capital | 12,994,000 | 13,299,000 | 13,703,000 | 14,109,000 |
| Risk-weighted assets | 119,129,000 | 124,297,000 | 130,703,000 | 131,288,000 |
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