Call reports 2011
CITIZENS BANK OF GEORGIA, THE — 2011
What CITIZENS BANK OF GEORGIA, THE reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 236,757,000 | 222,113,000 | 215,146,000 | 220,087,000 |
| Total loans | 167,486,000 | 163,208,000 | 159,832,000 | 152,557,000 |
| Allowance for loan losses | 5,227,000 | 5,890,000 | 6,156,000 | 4,799,000 |
| Securities available for sale | 40,134,000 | 34,341,000 | 33,511,000 | 39,740,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 203,730,000 | 190,719,000 | 186,604,000 | 191,131,000 |
| Interest-bearing deposits | 175,301,000 | 165,507,000 | 160,461,000 | 165,735,000 |
| Noninterest-bearing deposits | 28,429,000 | 25,212,000 | 26,143,000 | 25,396,000 |
| Equity capital | 16,878,000 | 15,938,000 | 16,342,000 | 17,664,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 2,615,000 | 5,347,000 | 7,923,000 | 10,381,000 |
| Interest expense | 678,000 | 1,266,000 | 1,768,000 | 2,207,000 |
| Net interest income | 1,937,000 | 4,081,000 | 6,155,000 | 8,174,000 |
| Noninterest income | 78,000 | -17,000 | -240,000 | -80,000 |
| Noninterest expense | 1,359,000 | 2,722,000 | 4,059,000 | 5,469,000 |
| Provision for loan losses | 2,627,000 | 4,490,000 | 4,790,000 | 5,440,000 |
| Pretax income | -1,971,000 | -3,033,000 | -2,819,000 | -2,700,000 |
| Income tax | -616,000 | -561,000 | -561,000 | -561,000 |
| Net income | -1,355,000 | -2,472,000 | -2,258,000 | -2,139,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,878,000 | 15,761,000 | 15,975,000 | 17,319,000 |
| Total capital | 19,029,000 | 17,847,000 | 17,982,000 | 19,258,000 |
| Risk-weighted assets | 168,911,000 | 163,010,000 | 156,393,000 | 152,192,000 |