Call reports 2006
CITIZENS BANK OF GEORGIA, THE — 2006
What CITIZENS BANK OF GEORGIA, THE reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 171,615,000 | 183,326,000 | 218,205,000 | 211,960,000 |
| Total loans | 128,679,000 | 138,900,000 | 144,174,000 | 150,907,000 |
| Allowance for loan losses | 1,576,000 | 1,709,000 | 1,766,000 | 1,886,000 |
| Securities available for sale | 26,485,000 | 25,770,000 | 34,589,000 | 32,124,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 155,870,000 | 163,033,000 | 197,960,000 | 190,770,000 |
| Interest-bearing deposits | 137,482,000 | 141,080,000 | 176,126,000 | 169,920,000 |
| Noninterest-bearing deposits | 18,388,000 | 21,953,000 | 21,834,000 | 20,851,000 |
| Equity capital | 13,202,000 | 13,470,000 | 15,029,000 | 15,476,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 2,655,000 | 5,675,000 | 9,206,000 | 12,933,000 |
| Interest expense | 1,118,000 | 2,417,000 | 4,197,000 | 6,096,000 |
| Net interest income | 1,537,000 | 3,258,000 | 5,009,000 | 6,837,000 |
| Noninterest income | 249,000 | 446,000 | 695,000 | 918,000 |
| Noninterest expense | 1,158,000 | 2,307,000 | 3,513,000 | 4,735,000 |
| Provision for loan losses | 115,000 | 262,000 | 338,000 | 450,000 |
| Pretax income | 513,000 | 1,135,000 | 1,853,000 | 2,570,000 |
| Income tax | 182,000 | 408,000 | 677,000 | 955,000 |
| Net income | 331,000 | 727,000 | 1,176,000 | 1,615,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,510,000 | 13,905,000 | 15,255,000 | 15,693,000 |
| Total capital | 15,086,000 | 15,614,000 | 17,021,000 | 17,579,000 |
| Risk-weighted assets | 143,229,000 | 153,306,000 | 164,737,000 | 169,749,000 |
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