Call reports 2010
CITIZENS BANK OF GEORGIA, THE — 2010
What CITIZENS BANK OF GEORGIA, THE reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 241,604,000 | 249,340,000 | 244,874,000 | 238,439,000 |
| Total loans | 180,362,000 | 179,531,000 | 176,498,000 | 173,869,000 |
| Allowance for loan losses | 2,841,000 | 3,014,000 | 3,177,000 | 4,503,000 |
| Securities available for sale | 36,369,000 | 43,763,000 | 35,704,000 | 33,257,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 196,278,000 | 203,633,000 | 196,581,000 | 204,960,000 |
| Interest-bearing deposits | 175,155,000 | 176,496,000 | 173,379,000 | 176,147,000 |
| Noninterest-bearing deposits | 21,123,000 | 27,137,000 | 23,202,000 | 28,813,000 |
| Equity capital | 18,971,000 | 19,165,000 | 18,843,000 | 17,255,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 2,898,000 | 5,896,000 | 8,840,000 | 11,753,000 |
| Interest expense | 1,051,000 | 2,060,000 | 2,978,000 | 3,776,000 |
| Net interest income | 1,847,000 | 3,836,000 | 5,862,000 | 7,977,000 |
| Noninterest income | 90,000 | -47,000 | -45,000 | 106,000 |
| Noninterest expense | 1,328,000 | 2,657,000 | 4,048,000 | 5,634,000 |
| Provision for loan losses | 953,000 | 1,352,000 | 2,428,000 | 5,182,000 |
| Pretax income | -344,000 | -220,000 | -263,000 | -2,337,000 |
| Income tax | -130,000 | -83,000 | -99,000 | -869,000 |
| Net income | -214,000 | -137,000 | -164,000 | -1,468,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,600,000 | 18,681,000 | 18,657,000 | 17,355,000 |
| Total capital | 20,946,000 | 21,005,000 | 20,922,000 | 19,559,000 |
| Risk-weighted assets | 186,384,000 | 185,127,000 | 180,289,000 | 173,962,000 |
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