Call reports 2009
CITIZENS BANK OF GEORGIA, THE — 2009
What CITIZENS BANK OF GEORGIA, THE reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 237,904,000 | 232,920,000 | 234,381,000 | 237,726,000 |
| Total loans | 183,950,000 | 183,276,000 | 178,901,000 | 182,172,000 |
| Allowance for loan losses | 2,575,000 | 2,711,000 | 2,701,000 | 2,851,000 |
| Securities available for sale | 28,963,000 | 21,134,000 | 28,445,000 | 25,762,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 194,946,000 | 187,226,000 | 188,156,000 | 191,779,000 |
| Interest-bearing deposits | 175,617,000 | 166,008,000 | 166,788,000 | 172,045,000 |
| Noninterest-bearing deposits | 19,329,000 | 21,218,000 | 21,367,000 | 19,734,000 |
| Equity capital | 18,598,000 | 18,621,000 | 19,140,000 | 19,065,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 3,212,000 | 6,426,000 | 9,423,000 | 12,440,000 |
| Interest expense | 1,513,000 | 2,952,000 | 4,208,000 | 5,371,000 |
| Net interest income | 1,699,000 | 3,474,000 | 5,215,000 | 7,069,000 |
| Noninterest income | 278,000 | 464,000 | 648,000 | 620,000 |
| Noninterest expense | 1,437,000 | 2,971,000 | 4,308,000 | 5,846,000 |
| Provision for loan losses | 264,000 | 506,000 | 906,000 | 1,188,000 |
| Pretax income | 276,000 | 462,000 | 650,000 | 655,000 |
| Income tax | 104,000 | 174,000 | 245,000 | 222,000 |
| Net income | 172,000 | 288,000 | 405,000 | 433,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,538,000 | 18,657,000 | 18,778,000 | 18,810,000 |
| Total capital | 21,027,000 | 21,111,000 | 21,179,000 | 21,270,000 |
| Risk-weighted assets | 198,996,000 | 196,035,000 | 191,880,000 | 196,366,000 |
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