Call reports 2018
CITIZENS BANK OF GEORGIA, THE — 2018
What CITIZENS BANK OF GEORGIA, THE reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 305,237,000 | 307,888,000 | 305,745,000 | 303,881,000 |
| Total loans | 194,974,000 | 196,244,000 | 198,003,000 | 200,553,000 |
| Allowance for loan losses | 3,157,000 | 2,855,000 | 2,859,000 | 2,863,000 |
| Securities available for sale | 89,064,000 | 92,241,000 | 91,548,000 | 90,423,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 275,512,000 | 278,183,000 | 276,078,000 | 271,400,000 |
| Interest-bearing deposits | 192,993,000 | 192,845,000 | 188,145,000 | 187,994,000 |
| Noninterest-bearing deposits | 82,519,000 | 85,338,000 | 87,933,000 | 83,406,000 |
| Equity capital | 27,983,000 | 28,564,000 | 29,148,000 | 30,543,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 2,999,000 | 6,081,000 | 9,321,000 | 12,620,000 |
| Interest expense | 198,000 | 476,000 | 732,000 | 1,006,000 |
| Net interest income | 2,801,000 | 5,605,000 | 8,589,000 | 11,614,000 |
| Noninterest income | 208,000 | 392,000 | 591,000 | 782,000 |
| Noninterest expense | 1,644,000 | 3,362,000 | 5,135,000 | 6,899,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 1,367,000 | 2,637,000 | 4,047,000 | 5,500,000 |
| Income tax | 349,000 | 673,000 | 1,032,000 | 1,339,000 |
| Net income | 1,018,000 | 1,964,000 | 3,015,000 | 4,161,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,291,000 | 31,237,000 | 32,287,000 | 32,389,000 |
| Total capital | 32,972,000 | 33,941,000 | 35,040,000 | 35,143,000 |
| Risk-weighted assets | 213,985,000 | 216,074,000 | 220,070,000 | 220,116,000 |