Call reports 2017
CITIZENS BANK OF GEORGIA, THE — 2017
What CITIZENS BANK OF GEORGIA, THE reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 301,300,000 | 298,495,000 | 303,738,000 | 303,203,000 |
| Total loans | 183,837,000 | 190,419,000 | 198,049,000 | 194,842,000 |
| Allowance for loan losses | 3,032,000 | 3,091,000 | 3,094,000 | 3,161,000 |
| Securities available for sale | 96,814,000 | 91,884,000 | 89,218,000 | 97,762,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 273,014,000 | 269,478,000 | 273,783,000 | 271,346,000 |
| Interest-bearing deposits | 191,704,000 | 192,624,000 | 196,671,000 | 198,859,000 |
| Noninterest-bearing deposits | 81,310,000 | 76,854,000 | 77,112,000 | 72,487,000 |
| Equity capital | 26,576,000 | 27,595,000 | 28,462,000 | 27,799,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 2,722,000 | 5,582,000 | 8,535,000 | 11,605,000 |
| Interest expense | 144,000 | 288,000 | 434,000 | 584,000 |
| Net interest income | 2,578,000 | 5,294,000 | 8,101,000 | 11,021,000 |
| Noninterest income | 185,000 | 360,000 | 543,000 | 717,000 |
| Noninterest expense | 1,628,000 | 3,226,000 | 4,839,000 | 6,450,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 1,135,000 | 2,440,000 | 3,817,000 | 5,301,000 |
| Income tax | 428,000 | 921,000 | 1,441,000 | 2,239,000 |
| Net income | 707,000 | 1,519,000 | 2,376,000 | 3,062,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,507,000 | 28,319,000 | 29,177,000 | 29,272,000 |
| Total capital | 30,055,000 | 30,904,000 | 31,875,000 | 31,955,000 |
| Risk-weighted assets | 203,272,000 | 206,199,000 | 215,363,000 | 214,141,000 |