Call reports 2013
CITIZENS BANK OF GEORGIA, THE — 2013
What CITIZENS BANK OF GEORGIA, THE reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 215,053,000 | 218,031,000 | 219,242,000 | 223,381,000 |
| Total loans | 147,610,000 | 148,104,000 | 144,718,000 | 145,029,000 |
| Allowance for loan losses | 4,142,000 | 3,102,000 | 3,100,000 | 2,865,000 |
| Securities available for sale | 49,247,000 | 51,079,000 | 58,512,000 | 62,058,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 186,310,000 | 189,006,000 | 190,703,000 | 196,004,000 |
| Interest-bearing deposits | 153,955,000 | 152,744,000 | 153,365,000 | 159,665,000 |
| Noninterest-bearing deposits | 32,355,000 | 36,262,000 | 37,338,000 | 36,339,000 |
| Equity capital | 19,940,000 | 20,260,000 | 20,535,000 | 20,187,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 2,308,000 | 4,572,000 | 6,861,000 | 9,150,000 |
| Interest expense | 281,000 | 531,000 | 786,000 | 1,035,000 |
| Net interest income | 2,027,000 | 4,041,000 | 6,075,000 | 8,115,000 |
| Noninterest income | 31,000 | 93,000 | 204,000 | 378,000 |
| Noninterest expense | 1,369,000 | 2,689,000 | 3,982,000 | 5,359,000 |
| Provision for loan losses | 0 | -1,000,000 | -1,000,000 | -1,000,000 |
| Pretax income | 689,000 | 2,445,000 | 3,297,000 | 4,134,000 |
| Income tax | 260,000 | 923,000 | 1,245,000 | 1,451,000 |
| Net income | 429,000 | 1,522,000 | 2,052,000 | 2,683,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,593,000 | 20,686,000 | 21,216,000 | 21,347,000 |
| Total capital | 21,512,000 | 22,637,000 | 23,121,000 | 23,276,000 |
| Risk-weighted assets | 151,224,000 | 154,909,000 | 151,179,000 | 153,299,000 |