Call reports 2016
CITIZENS BANK OF GEORGIA, THE — 2016
What CITIZENS BANK OF GEORGIA, THE reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 279,525,000 | 286,531,000 | 293,542,000 | 290,378,000 |
| Total loans | 169,125,000 | 177,324,000 | 181,609,000 | 180,124,000 |
| Allowance for loan losses | 2,217,000 | 2,477,000 | 2,829,000 | 2,832,000 |
| Securities available for sale | 92,013,000 | 89,890,000 | 96,959,000 | 96,043,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 251,279,000 | 257,976,000 | 264,701,000 | 263,232,000 |
| Interest-bearing deposits | 183,667,000 | 188,866,000 | 192,401,000 | 190,445,000 |
| Noninterest-bearing deposits | 67,612,000 | 69,110,000 | 72,300,000 | 72,787,000 |
| Equity capital | 25,737,000 | 26,743,000 | 27,167,000 | 25,789,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 2,530,000 | 5,159,000 | 7,826,000 | 10,570,000 |
| Interest expense | 193,000 | 367,000 | 527,000 | 682,000 |
| Net interest income | 2,337,000 | 4,792,000 | 7,299,000 | 9,888,000 |
| Noninterest income | 163,000 | 346,000 | 522,000 | 677,000 |
| Noninterest expense | 1,521,000 | 3,134,000 | 4,698,000 | 6,243,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 978,000 | 2,016,000 | 3,181,000 | 4,398,000 |
| Income tax | 369,000 | 761,000 | 1,201,000 | 1,622,000 |
| Net income | 609,000 | 1,255,000 | 1,980,000 | 2,776,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,258,000 | 25,905,000 | 26,630,000 | 26,801,000 |
| Total capital | 27,533,000 | 28,270,000 | 29,116,000 | 29,274,000 |
| Risk-weighted assets | 186,270,000 | 189,059,000 | 198,472,000 | 197,420,000 |