Call reports 2012
CITIZENS BANK OF GEORGIA, THE — 2012
What CITIZENS BANK OF GEORGIA, THE reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 221,861,000 | 228,879,000 | 219,672,000 | 218,481,000 |
| Total loans | 151,778,000 | 150,214,000 | 152,028,000 | 149,244,000 |
| Allowance for loan losses | 5,148,000 | 5,143,000 | 5,032,000 | 4,082,000 |
| Securities available for sale | 45,114,000 | 49,655,000 | 49,423,000 | 50,334,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 190,381,000 | 198,269,000 | 189,797,000 | 189,637,000 |
| Interest-bearing deposits | 162,580,000 | 162,008,000 | 155,709,000 | 158,516,000 |
| Noninterest-bearing deposits | 27,801,000 | 36,261,000 | 34,088,000 | 31,120,000 |
| Equity capital | 18,144,000 | 19,028,000 | 19,506,000 | 19,618,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 2,447,000 | 4,940,000 | 7,411,000 | 9,779,000 |
| Interest expense | 409,000 | 791,000 | 1,135,000 | 1,443,000 |
| Net interest income | 2,038,000 | 4,149,000 | 6,276,000 | 8,336,000 |
| Noninterest income | 136,000 | 284,000 | -26,000 | -557,000 |
| Noninterest expense | 1,340,000 | 2,730,000 | 4,044,000 | 5,403,000 |
| Provision for loan losses | 450,000 | 515,000 | 515,000 | 515,000 |
| Pretax income | 383,000 | 1,187,000 | 1,717,000 | 2,197,000 |
| Income tax | 0 | 0 | 153,000 | 352,000 |
| Net income | 383,000 | 1,187,000 | 1,564,000 | 1,845,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,702,000 | 18,506,000 | 18,883,000 | 19,164,000 |
| Total capital | 19,653,000 | 20,449,000 | 20,820,000 | 21,085,000 |
| Risk-weighted assets | 152,845,000 | 152,192,000 | 151,830,000 | 151,436,000 |