Call reports 2007
CITIZENS BANK OF GEORGIA, THE — 2007
What CITIZENS BANK OF GEORGIA, THE reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 232,318,000 | 213,612,000 | 217,042,000 | 222,764,000 |
| Total loans | 150,794,000 | 154,235,000 | 163,520,000 | 167,558,000 |
| Allowance for loan losses | 1,912,000 | 1,928,000 | 2,036,000 | 2,086,000 |
| Securities available for sale | 28,297,000 | 36,436,000 | 39,931,000 | 37,932,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 208,871,000 | 189,482,000 | 189,833,000 | 186,071,000 |
| Interest-bearing deposits | 185,692,000 | 165,144,000 | 168,006,000 | 167,915,000 |
| Noninterest-bearing deposits | 23,179,000 | 24,338,000 | 21,827,000 | 18,156,000 |
| Equity capital | 15,970,000 | 16,248,000 | 16,929,000 | 17,526,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 3,737,000 | 7,617,000 | 11,517,000 | 15,435,000 |
| Interest expense | 1,922,000 | 3,835,000 | 5,723,000 | 7,724,000 |
| Net interest income | 1,815,000 | 3,782,000 | 5,794,000 | 7,711,000 |
| Noninterest income | 283,000 | 608,000 | 877,000 | 1,140,000 |
| Noninterest expense | 1,424,000 | 2,944,000 | 4,397,000 | 5,770,000 |
| Provision for loan losses | 26,000 | 61,000 | 186,000 | 295,000 |
| Pretax income | 648,000 | 1,385,000 | 2,088,000 | 2,793,000 |
| Income tax | 245,000 | 523,000 | 788,000 | 1,030,000 |
| Net income | 403,000 | 862,000 | 1,300,000 | 1,763,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,096,000 | 16,559,000 | 17,000,000 | 17,467,000 |
| Total capital | 18,008,000 | 18,487,000 | 19,036,000 | 19,553,000 |
| Risk-weighted assets | 173,527,000 | 172,492,000 | 181,068,000 | 184,997,000 |
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