Call reports 2014
CITIZENS BANK OF GEORGIA, THE — 2014
What CITIZENS BANK OF GEORGIA, THE reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 226,314,000 | 234,100,000 | 235,083,000 | 231,513,000 |
| Total loans | 147,718,000 | 152,966,000 | 154,399,000 | 153,049,000 |
| Allowance for loan losses | 2,837,000 | 2,710,000 | 2,643,000 | 2,522,000 |
| Securities available for sale | 63,776,000 | 67,495,000 | 68,517,000 | 67,901,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 197,264,000 | 203,458,000 | 203,785,000 | 203,080,000 |
| Interest-bearing deposits | 158,366,000 | 161,636,000 | 160,462,000 | 162,309,000 |
| Noninterest-bearing deposits | 38,898,000 | 41,822,000 | 43,323,000 | 40,771,000 |
| Equity capital | 21,062,000 | 21,914,000 | 22,397,000 | 22,406,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 2,253,000 | 4,571,000 | 6,943,000 | 9,307,000 |
| Interest expense | 237,000 | 473,000 | 712,000 | 949,000 |
| Net interest income | 2,016,000 | 4,098,000 | 6,231,000 | 8,358,000 |
| Noninterest income | 169,000 | 320,000 | 449,000 | 549,000 |
| Noninterest expense | 1,352,000 | 2,773,000 | 4,202,000 | 5,696,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 832,000 | 1,644,000 | 2,477,000 | 3,232,000 |
| Income tax | 314,000 | 621,000 | 935,000 | 1,108,000 |
| Net income | 518,000 | 1,023,000 | 1,542,000 | 2,124,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,865,000 | 22,370,000 | 22,889,000 | 22,578,000 |
| Total capital | 23,821,000 | 24,435,000 | 24,975,000 | 24,621,000 |
| Risk-weighted assets | 155,559,000 | 164,529,000 | 166,255,000 | 162,935,000 |