Call reports 2015
CITIZENS BANK OF GEORGIA, THE — 2015
What CITIZENS BANK OF GEORGIA, THE reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 244,921,000 | 243,409,000 | 258,551,000 | 262,747,000 |
| Total loans | 153,346,000 | 154,818,000 | 159,058,000 | 164,107,000 |
| Allowance for loan losses | 2,521,000 | 2,568,000 | 2,555,000 | 2,062,000 |
| Securities available for sale | 74,931,000 | 76,645,000 | 86,596,000 | 81,506,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 215,344,000 | 215,294,000 | 231,683,000 | 236,082,000 |
| Interest-bearing deposits | 163,550,000 | 160,943,000 | 170,470,000 | 178,638,000 |
| Noninterest-bearing deposits | 51,794,000 | 54,351,000 | 61,213,000 | 57,444,000 |
| Equity capital | 23,259,000 | 23,335,000 | 24,264,000 | 24,255,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 2,281,000 | 4,610,000 | 7,029,000 | 9,507,000 |
| Interest expense | 227,000 | 457,000 | 651,000 | 848,000 |
| Net interest income | 2,054,000 | 4,153,000 | 6,378,000 | 8,659,000 |
| Noninterest income | 159,000 | 311,000 | 462,000 | 600,000 |
| Noninterest expense | 1,449,000 | 2,982,000 | 4,563,000 | 6,202,000 |
| Provision for loan losses | 0 | 0 | 0 | -500,000 |
| Pretax income | 763,000 | 1,481,000 | 2,276,000 | 3,556,000 |
| Income tax | 288,000 | 559,000 | 859,000 | 1,284,000 |
| Net income | 475,000 | 922,000 | 1,417,000 | 2,272,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,054,000 | 23,500,000 | 23,995,000 | 24,650,000 |
| Total capital | 25,134,000 | 25,565,000 | 26,156,000 | 26,770,000 |
| Risk-weighted assets | 165,971,000 | 164,684,000 | 172,460,000 | 178,760,000 |